Pocomoke City, MD · Charter 9603
NCUA · 1 branch
Q4 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.38% | -0.59% | -0.55% | -0.51% | -0.68% | -30 bps | |
| Return on Equity | -3.87% | -6.63% | -6.03% | -5.60% | -7.41% | -354 bps | |
| Net Interest Margin | 2.56% | 1.90% | 1.91% | 1.87% | 1.81% | -74 bps | |
| Efficiency Ratio | 114.21% | 129.99% | 127.70% | 126.18% | 135.73% | +2,153 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.90% | 23.98% | 9.98% | 9.86% | -0.12% | -1,502 bps | |
| Loan Growth (YoY) | -8.61% | 1.05% | 4.01% | 2.25% | -7.53% | +108 bps | |
| Share Growth (YoY) | 13.53% | 26.39% | 12.11% | 9.72% | 0.58% | -1,296 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.61% | 1.58% | 1.45% | 0.38% | 0.65% | -96 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.58% | 3.57% | 3.77% | 3.66% | 3.84% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.88% | 8.91% | 9.15% | 9.15% | 9.20% | -67 bps | |
| Net Worth / Assets | 9.88% | 8.91% | 9.15% | 9.15% | 9.20% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.80% | 16.57% | 16.18% | 17.60% | 17.28% | -151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |