Pocomoke City, MD · Charter 9603
NCUA · 1 branch
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -0.15% | -0.15% | -0.38% | -0.59% | -0.55% | -0.51% | -0.68% | -30 bps | |
| Return on Equity | -0.91% | -1.38% | -1.38% | -3.87% | -6.63% | -6.03% | -5.60% | -7.41% | -354 bps | |
| Net Interest Margin | 3.41% | 2.92% | 2.85% | 2.56% | 1.90% | 1.91% | 1.87% | 1.81% | -74 bps | |
| Efficiency Ratio | 102.97% | 104.86% | 104.98% | 114.21% | 129.99% | 127.70% | 126.18% | 135.73% | +2,153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.21% | 0.84% | 6.76% | 14.90% | 23.98% | 9.98% | 9.86% | -0.12% | -1,502 bps | |
| Loan Growth (YoY) | 9.04% | 1.96% | -3.76% | -8.61% | 1.05% | 4.01% | 2.25% | -7.53% | +108 bps | |
| Share Growth (YoY) | -4.09% | 0.87% | 6.38% | 13.53% | 26.39% | 12.11% | 9.72% | 0.58% | -1,296 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.45% | 3.89% | 2.01% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.64% | 3.95% | 3.78% | 3.58% | 3.57% | 3.77% | 3.66% | 3.84% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.62% | 10.66% | 10.78% | 9.88% | 8.91% | 9.15% | 9.15% | 9.20% | -67 bps | |
| Net Worth / Assets | 11.62% | 10.66% | 10.78% | 9.88% | 8.91% | 9.15% | 9.15% | 9.20% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.73% | 17.43% | 18.89% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |