Columbus, OH · Charter 10089
NCUA · 2 branches
Q3 2022
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 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | -0.98% | -1.18% | -1.17% | -1.07% | -1.71% | -0.33% | -0.30% | +87 bps | |
| Return on Equity | -7.48% | -11.46% | -14.14% | -14.57% | -13.96% | -23.10% | -4.28% | -3.96% | +1,061 bps | |
| Net Interest Margin | 2.76% | 2.15% | 2.19% | 2.17% | 2.11% | 1.91% | 1.93% | 2.01% | -16 bps | |
| Efficiency Ratio | 119.89% | 135.48% | 141.53% | 140.49% | 138.04% | 166.64% | 112.65% | 111.09% | -2,940 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.18% | 15.73% | 5.07% | 3.29% | 4.96% | -1.76% | 0.00% | 0.81% | -247 bps | |
| Loan Growth (YoY) | -9.10% | -11.99% | 2.05% | 7.16% | -5.81% | -9.09% | -18.17% | -19.62% | -2,678 bps | |
| Share Growth (YoY) | 18.29% | 18.52% | 6.86% | 4.66% | 6.15% | -0.79% | 0.51% | 1.67% | -298 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 1.07% | 1.42% | 1.32% | 1.29% | 1.37% | 1.93% | 1.80% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 22.02% | 24.18% | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 0.70% | 0.74% | 0.72% | 0.80% | 0.90% | 1.03% | 1.09% | 0.73% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.20% | 8.51% | 8.37% | 8.05% | 7.69% | 7.39% | 7.70% | 7.55% | -50 bps | |
| Net Worth / Assets | 9.20% | 8.51% | 8.37% | 8.05% | 7.69% | 7.39% | 7.70% | 7.55% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.17% | 40.03% | 43.74% | 42.22% | 39.19% | 36.68% | 35.61% | 33.38% | -884 bps | |
| Liquid Assets / Assets | 99.72% | 98.04% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |