Huntington, WV · Charter 10449
NCUA · 1 branch
Q1 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.81% | 0.72% | 0.67% | 0.63% | 0.41% | 0.41% | -1.32% | -198 bps | |
| Return on Equity | 2.25% | 3.26% | 2.83% | 2.50% | 2.39% | 1.53% | 1.53% | -4.72% | -722 bps | |
| Net Interest Margin | 3.23% | 3.11% | 3.11% | 3.02% | 3.14% | 3.00% | 2.91% | 2.74% | -28 bps | |
| Efficiency Ratio | 78.84% | 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 / Loans | 1.26% | 1.08% | 1.38% | 0.99% | 0.33% | 0.52% | 0.81% | 5.24% | +425 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 | 0.56% | 0.57% | 0.49% | 0.23% | 0.23% | 0.20% | 0.43% | 0.78% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.55% | 24.90% | 25.52% | 26.63% | 26.35% | 26.73% | 27.02% | 27.96% | +133 bps | |
| Net Worth / Assets | 25.55% | 24.90% | 25.52% | 26.63% | 26.35% | 26.73% | 27.02% | 27.96% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.83% | 46.51% | 48.18% | 56.38% | 57.14% | 60.30% | 57.86% | 54.59% | -179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |