PackageTrendsPeer
Letter portraitLegal landscape

Roper Corporation Employees

Lafayette, GA · Charter 67589

NCUA · 2 branches

Q1 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Roper Corporation Employees

Lafayette, GA · Charter 67589

NCUA · 2 branches

Q1 2021

$1.8MAssets
$194KLoans
$1.6MShares
$221KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.25%, down 239 bps year over year; NIM at 2.26%.
  • Asset quality: problem loans at 0.71% of loans (-2 bps YoY).
  • Capital: net worth / assets of 12.00%, down 264 bps from a year ago.
  • Funding: loans stand at 11.98% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-2.25%-239 bps YoY

Net Interest Margin (YTD, annualized)

2.26%-201 bps YoY

Efficiency Ratio (YTD, annualized)

194.23%+9,745 bps YoY

Net Worth / Assets

12.00%-264 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.14%-0.57%-0.90%-1.32%-2.25%-239 bps
Return on Equity0.99%-4.17%-7.00%-10.80%-18.72%-1,971 bps
Net Interest Margin4.27%3.53%3.03%2.76%2.26%-201 bps
Efficiency Ratio96.79%114.98%127.34%142.88%194.23%+9,745 bps
Growth
Asset Growth (YoY)-7.02%-3.10%0.64%7.46%4.77%+1,179 bps
Loan Growth (YoY)-16.35%-35.58%-38.35%-36.50%-41.00%-2,465 bps
Share Growth (YoY)-7.84%-3.03%1.64%10.37%7.98%+1,582 bps
Asset Quality
Delinquent Loans / Loans0.73%0.62%1.49%0.97%0.71%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.55%5.06%7.00%5.91%8.28%+473 bps
Capital
Risk-Based Capital14.64%13.77%12.83%12.26%12.00%-264 bps
Net Worth / Assets14.64%13.77%12.83%12.26%12.00%-264 bps
Liquidity & Funding
Loans / Shares21.93%16.90%12.90%16.00%11.98%-995 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps