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Anderson

Anderson, SC · Charter 8470

NCUA · 3 branches

Q4 2020

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: Q4 2020, the quarter ended December 31, 2020, 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

Anderson

Anderson, SC · Charter 8470

NCUA · 3 branches

Q4 2020

$107.5MAssets
$59.0MLoans
$99.4MShares
$7.3MNet 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 -0.96%, down 129 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.10% of loans (-13 bps YoY).
  • Capital: net worth / assets of 6.83%, down 201 bps from a year ago.
  • Funding: loans stand at 59.38% of shares as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.96%-129 bps YoY

Net Interest Margin (YTD, annualized)

2.68%-78 bps YoY

Efficiency Ratio (YTD, annualized)

115.09%+2,393 bps YoY

Net Worth / Assets

6.83%-201 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets0.33%-0.25%-0.52%-0.42%-0.96%-129 bps
Return on Equity3.75%-2.95%-6.75%-5.60%-14.03%-1,778 bps
Net Interest Margin3.46%3.06%2.71%2.69%2.68%-78 bps
Efficiency Ratio91.16%96.85%101.52%101.69%115.09%+2,393 bps
Growth
Asset Growth (YoY)3.28%3.49%9.79%12.86%13.50%+1,021 bps
Loan Growth (YoY)-5.14%-9.85%-11.75%-13.34%-12.97%-783 bps
Share Growth (YoY)3.41%4.31%11.42%14.43%15.61%+1,220 bps
Asset Quality
Delinquent Loans / Loans0.23%0.23%0.16%0.18%0.10%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.59%0.54%0.73%0.67%0.71%+12 bps
Capital
Risk-Based Capital8.84%8.47%7.66%7.52%6.83%-201 bps
Net Worth / Assets8.84%8.47%7.66%7.52%6.83%-201 bps
Liquidity & Funding
Loans / Shares78.88%72.75%65.16%61.96%59.38%-1,950 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps