PackageTrendsPeer
Letter portraitLegal landscape

Cabway Telco

Huntington, WV · Charter 10449

NCUA · 1 branch

Q1 2024

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: Q1 2024, the quarter ended March 31, 2024, 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

Cabway Telco

Huntington, WV · Charter 10449

NCUA · 1 branch

Q1 2024

$5.1MAssets
$1.9MLoans
$3.6MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of -1.32%, down 198 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 5.24% of loans (+425 bps YoY).
  • Capital: net worth / assets of 27.96%, up 133 bps from a year ago.
  • Funding: loans stand at 54.59% of shares as of Q1 2024.

Return on Assets (YTD, annualized)

-1.32%-198 bps YoY

Net Interest Margin (YTD, annualized)

2.74%-28 bps YoY

Efficiency Ratio (YTD, annualized)

131.37%+5,236 bps YoY

Net Worth / Assets

27.96%+133 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets0.57%0.81%0.72%0.67%0.63%0.41%0.41%-1.32%-198 bps
Return on Equity2.25%3.26%2.83%2.50%2.39%1.53%1.53%-4.72%-722 bps
Net Interest Margin3.23%3.11%3.11%3.02%3.14%3.00%2.91%2.74%-28 bps
Efficiency Ratio78.84%71.97%72.51%79.01%80.83%86.90%83.66%131.37%+5,236 bps
Growth
Asset Growth (YoY)4.28%5.38%4.70%-2.00%-0.56%-5.14%-4.10%-4.98%-298 bps
Loan Growth (YoY)-6.55%-5.52%2.47%11.92%11.85%16.65%8.91%-11.50%-2,342 bps
Share Growth (YoY)4.56%6.10%4.99%-4.14%-2.45%-10.03%-9.32%-8.59%-445 bps
Asset Quality
Delinquent Loans / Loans1.26%1.08%1.38%0.99%0.33%0.52%0.81%5.24%+425 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.56%0.57%0.49%0.23%0.23%0.20%0.43%0.78%+55 bps
Capital
Risk-Based Capital25.55%24.90%25.52%26.63%26.35%26.73%27.02%27.96%+133 bps
Net Worth / Assets25.55%24.90%25.52%26.63%26.35%26.73%27.02%27.96%+133 bps
Liquidity & Funding
Loans / Shares49.83%46.51%48.18%56.38%57.14%60.30%57.86%54.59%-179 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps