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St. Vincent Hospital

Worcester, MA · Charter 67964

NCUA · 2 branches

Q2 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: Q2 2021, the quarter ended June 30, 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

St. Vincent Hospital

Worcester, MA · Charter 67964

NCUA · 2 branches

Q2 2021

$14.6MAssets
$3.1MLoans
$13.4MShares
$967KNet 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 -2.47%, down 222 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.72% of loans (-20 bps YoY).
  • Capital: net worth / assets of 6.62%, down 138 bps from a year ago.
  • Funding: loans stand at 23.40% of shares as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

-2.47%-222 bps YoY

Net Interest Margin (YTD, annualized)

2.14%-65 bps YoY

Efficiency Ratio (YTD, annualized)

191.67%+9,163 bps YoY

Net Worth / Assets

6.62%-138 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets-0.24%-0.28%-0.37%-0.55%-2.47%-222 bps
Return on Equity-3.05%-3.69%-4.94%-7.39%-37.31%-3,426 bps
Net Interest Margin2.79%2.65%2.56%2.12%2.14%-65 bps
Efficiency Ratio100.03%101.89%104.95%120.71%191.67%+9,163 bps
Growth
Asset Growth (YoY)12.63%16.89%21.42%8.93%-1.46%-1,409 bps
Loan Growth (YoY)-21.01%-19.74%-23.55%-23.07%-13.91%+710 bps
Share Growth (YoY)14.54%17.63%22.97%10.34%0.03%-1,451 bps
Asset Quality
Delinquent Loans / Loans0.92%1.06%1.14%0.64%0.72%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.62%1.89%2.21%1.82%1.85%+23 bps
Capital
Risk-Based Capital8.00%7.66%7.41%7.43%6.62%-138 bps
Net Worth / Assets8.00%7.66%7.41%7.43%6.62%-138 bps
Liquidity & Funding
Loans / Shares27.19%25.68%23.13%22.16%23.40%-379 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps