Weirton, WV · Charter 8420
NCUA · 1 branch
Q2 2021
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.02% | 0.94% | 0.56% | 0.26% | 0.04% | -0.54% | -0.40% | -96 bps | |
| Return on Equity | 4.75% | 4.68% | 4.31% | 2.75% | 1.27% | 0.19% | -2.78% | -2.10% | -485 bps | |
| Net Interest Margin | 2.97% | 2.98% | 2.77% | 2.48% | 2.33% | 2.19% | 1.63% | 1.47% | -100 bps | |
| Efficiency Ratio | 65.99% | 65.70% | 61.43% | 70.83% | 76.00% | 80.02% | 113.78% | 115.68% | +4,485 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.73% | 1.92% | 1.39% | 7.26% | 8.79% | 9.72% | 10.71% | 5.91% | -135 bps | |
| Loan Growth (YoY) | 31.14% | 19.80% | 0.49% | -13.20% | -20.24% | -25.83% | -24.03% | -32.98% | -1,978 bps | |
| Share Growth (YoY) | 0.92% | 1.09% | 0.39% | 8.12% | 10.61% | 12.20% | 14.11% | 7.99% | -12 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.03% | 1.94% | 1.28% | 2.58% | 1.56% | 2.09% | 0.41% | 0.14% | -244 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 | 0.61% | 0.69% | 0.57% | 0.82% | 0.70% | 0.95% | 0.81% | 0.47% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.52% | 21.74% | 21.79% | 20.52% | 20.21% | 19.85% | 19.38% | 18.94% | -157 bps | |
| Net Worth / Assets | 21.52% | 21.74% | 21.79% | 20.52% | 20.21% | 19.85% | 19.38% | 18.94% | -157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.11% | 36.17% | 32.70% | 28.81% | 26.76% | 23.91% | 21.77% | 17.88% | -1,093 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |