Augadilla, PR · Charter 7347
NCUA · 2 branches
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.00% | -3.11% | -2.88% | -2.61% | -2.42% | -3.64% | -3.49% | -62 bps | |
| Return on Equity | 0.02% | 0.01% | -25.88% | -27.19% | -26.67% | -25.97% | -39.79% | -43.76% | -1,658 bps | |
| Net Interest Margin | 3.36% | 3.40% | 2.90% | 2.63% | 2.59% | 2.53% | 1.95% | 1.86% | -77 bps | |
| Efficiency Ratio | 102.42% | 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 / Loans | 0.21% | 0.36% | 1.25% | 0.43% | 0.00% | 0.02% | 0.04% | 0.82% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.34% | 1.03% | 2.13% | 2.52% | 2.64% | 1.11% | 1.15% | -99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.61% | 12.91% | 12.02% | 10.58% | 9.77% | 9.33% | 9.15% | 7.98% | -260 bps | |
| Net Worth / Assets | 12.61% | 12.91% | 12.02% | 10.58% | 9.77% | 9.33% | 9.15% | 7.98% | -260 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.28% | 80.47% | 75.23% | 65.45% | 60.09% | 57.05% | 52.03% | 47.23% | -1,821 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |