Baltimore, MD · Charter 10511
NCUA · 2 branches
Q2 2023
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.52% | 0.53% | 0.38% | 0.35% | 0.41% | 3.43% | 0.95% | +57 bps | |
| Return on Equity | 7.64% | 5.81% | 5.90% | 4.09% | 3.64% | 3.94% | 30.23% | 8.28% | +420 bps | |
| Net Interest Margin | 1.53% | 1.53% | 1.37% | 1.51% | 1.66% | 1.87% | 1.98% | 1.65% | +13 bps | |
| Efficiency Ratio | 76.18% | 80.37% | 90.54% | 102.70% | 110.13% | 109.79% | 152.42% | 179.13% | +7,643 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.58% | -1.43% | -2.51% | -5.84% | -7.96% | -11.31% | -11.75% | -13.09% | -724 bps | |
| Loan Growth (YoY) | -20.12% | -16.99% | -14.54% | -14.92% | -15.82% | -22.70% | -7.57% | -9.31% | +561 bps | |
| Share Growth (YoY) | 10.34% | -2.07% | -3.53% | -7.29% | -8.97% | -12.87% | -14.12% | -15.36% | -806 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.20% | 0.22% | 0.22% | 0.23% | 0.25% | 0.22% | 0.23% | +1 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 | 6.83% | 6.89% | 7.27% | 6.92% | 6.62% | 6.62% | 2.27% | 2.35% | -456 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.66% | 8.93% | 9.04% | 9.34% | 9.68% | 10.48% | 11.36% | 11.43% | +209 bps | |
| Net Worth / Assets | 8.66% | 8.93% | 9.04% | 9.34% | 9.68% | 10.48% | 11.36% | 11.43% | +209 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.84% | 34.62% | 31.57% | 32.05% | 31.29% | 30.72% | 33.98% | 34.34% | +229 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |