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Borinquen Community

Augadilla, PR · Charter 7347

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

Borinquen Community

Augadilla, PR · Charter 7347

NCUA · 2 branches

Q2 2021

$17.4MAssets
$7.4MLoans
$15.7MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of -3.49%, down 62 bps year over year; NIM at 1.86%.
  • Asset quality: problem loans at 0.82% of loans (+38 bps YoY).
  • Capital: net worth / assets of 7.98%, down 260 bps from a year ago.
  • Funding: loans stand at 47.23% of shares as of Q2 2021.

Return on Assets (YTD, annualized)

-3.49%-62 bps YoY

Net Interest Margin (YTD, annualized)

1.86%-77 bps YoY

Efficiency Ratio (YTD, annualized)

247%+13,109 bps YoY

Net Worth / Assets

7.98%-260 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.00%0.00%-3.11%-2.88%-2.61%-2.42%-3.64%-3.49%-62 bps
Return on Equity0.02%0.01%-25.88%-27.19%-26.67%-25.97%-39.79%-43.76%-1,658 bps
Net Interest Margin3.36%3.40%2.90%2.63%2.59%2.53%1.95%1.86%-77 bps
Efficiency Ratio102.42%104.23%117.83%115.57%125.70%134.27%245%247%+13,109 bps
Growth
Asset Growth (YoY)-9.25%-7.69%-7.90%1.21%7.58%9.89%13.15%9.92%+871 bps
Loan Growth (YoY)-2.38%1.05%-1.77%-12.65%-13.93%-19.21%-19.78%-19.28%-663 bps
Share Growth (YoY)-10.77%-8.92%-8.36%2.99%10.69%13.96%15.98%11.85%+885 bps
Asset Quality
Delinquent Loans / Loans0.21%0.36%1.25%0.43%0.00%0.02%0.04%0.82%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.48%0.34%1.03%2.13%2.52%2.64%1.11%1.15%-99 bps
Capital
Risk-Based Capital12.61%12.91%12.02%10.58%9.77%9.33%9.15%7.98%-260 bps
Net Worth / Assets12.61%12.91%12.02%10.58%9.77%9.33%9.15%7.98%-260 bps
Liquidity & Funding
Loans / Shares77.28%80.47%75.23%65.45%60.09%57.05%52.03%47.23%-1,821 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps