Cumberland, MD · Charter 9965
NCUA · 1 branch
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cumberland, MD · Charter 9965
NCUA · 1 branch
Q1 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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.93% | 0.86% | 0.49% | 0.37% | 0.31% | 0.10% | -1.97% | -246 bps | |
| Return on Equity | 6.05% | 5.88% | 5.36% | 3.04% | 2.43% | 2.00% | 0.66% | -13.71% | -1,675 bps | |
| Net Interest Margin | 3.10% | 3.18% | 3.12% | 2.76% | 2.54% | 2.51% | 2.47% | 1.97% | -79 bps | |
| Efficiency Ratio | 76.51% | 76.16% | 77.49% | 84.79% | 87.26% | 89.32% | 96.47% | 185.05% | +10,026 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.35% | -2.40% | -1.07% | -3.16% | 3.33% | 5.88% | 4.71% | 7.69% | +1,085 bps | |
| Loan Growth (YoY) | 1.00% | -0.18% | -1.96% | -3.71% | -6.16% | -7.44% | -8.64% | -12.75% | -905 bps | |
| Share Growth (YoY) | -1.36% | -4.41% | -2.29% | -4.28% | 3.47% | 6.68% | 5.74% | 9.90% | +1,417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.56% | 1.18% | 0.68% | 0.33% | 0.31% | 0.33% | 0.34% | -34 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 | 1.03% | 1.02% | 1.01% | 0.88% | 0.85% | 0.92% | 1.02% | 1.08% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.21% | 15.84% | 15.96% | 16.05% | 15.27% | 15.35% | 15.34% | 14.39% | -165 bps | |
| Net Worth / Assets | 15.21% | 15.84% | 15.96% | 16.05% | 15.27% | 15.35% | 15.34% | 14.39% | -165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.12% | 51.99% | 50.84% | 50.16% | 46.36% | 45.10% | 43.93% | 39.82% | -1,034 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |