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Viriva Community

Warminster, PA · Charter 68564

NCUA · 3 branches

Q3 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: Q3 2021, the quarter ended September 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

Viriva Community

Warminster, PA · Charter 68564

NCUA · 3 branches

Q3 2021

$84.1MAssets
$45.6MLoans
$75.9MShares
$7.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.38%, up 59 bps year over year; NIM at 2.43%.
  • Asset quality: problem loans at 1.59% of loans (+104 bps YoY).
  • Capital: net worth / assets of 8.99%, down 17 bps from a year ago.
  • Funding: loans stand at 60.06% of shares as of Q3 2021.

Return on Assets (YTD, annualized)

0.38%+59 bps YoY

Net Interest Margin (YTD, annualized)

2.43%-12 bps YoY

Efficiency Ratio (YTD, annualized)

88.54%-1,154 bps YoY

Net Worth / Assets

8.99%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.06%0.03%-0.25%-0.21%-0.39%0.02%0.09%0.38%+59 bps
Return on Equity0.60%0.33%-2.71%-2.32%-4.45%0.26%1.10%4.22%+654 bps
Net Interest Margin3.43%2.99%2.58%2.55%2.55%2.34%2.41%2.43%-12 bps
Efficiency Ratio91.61%91.65%98.39%100.08%99.80%99.39%97.08%88.54%-1,154 bps
Growth
Asset Growth (YoY)3.36%5.72%17.35%20.89%15.87%16.64%3.85%2.48%-1,841 bps
Loan Growth (YoY)-7.97%-2.93%0.11%4.06%13.68%19.00%31.38%26.18%+2,212 bps
Share Growth (YoY)3.27%5.74%19.42%23.70%18.22%19.57%4.87%3.21%-2,049 bps
Asset Quality
Delinquent Loans / Loans1.80%1.06%1.35%0.55%2.25%1.93%0.40%1.59%+104 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.15%1.08%1.11%1.01%1.23%0.92%0.72%0.82%-20 bps
Capital
Risk-Based Capital10.70%10.29%9.14%9.16%8.84%8.45%8.59%8.99%-17 bps
Net Worth / Assets10.70%10.29%9.14%9.16%8.84%8.45%8.59%8.99%-17 bps
Liquidity & Funding
Loans / Shares54.72%54.73%47.95%49.12%52.62%54.47%60.07%60.06%+1,093 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps