Middletown, OH · Charter 11440
NCUA · 1 branch
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.79% | -0.55% | -0.41% | -0.63% | -0.55% | -2.16% | -2.73% | -3.70% | -307 bps | |
| Return on Equity | -14.50% | -9.17% | -6.52% | -9.24% | -7.57% | -34.34% | -46.11% | -75.27% | -6,603 bps | |
| Net Interest Margin | 2.71% | 3.09% | 3.46% | 4.08% | 4.27% | 4.60% | 4.57% | 4.00% | -9 bps | |
| Efficiency Ratio | 94.45% | 95.55% | 96.25% | 113.74% | 109.36% | 140.15% | 140.75% | 180.15% | +6,642 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.86% | -18.37% | -23.70% | -25.86% | -23.76% | -21.69% | -17.86% | -11.64% | +1,422 bps | |
| Loan Growth (YoY) | -1.09% | -6.78% | -14.17% | -22.05% | -25.43% | -27.19% | -29.49% | -28.79% | -675 bps | |
| Share Growth (YoY) | -9.49% | -17.25% | -21.47% | -25.73% | -23.58% | -21.97% | -17.36% | -9.34% | +1,639 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.10% | 0.14% | 1.34% | 1.05% | 0.00% | 0.00% | 0.00% | -134 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 | 0.92% | 0.98% | 1.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.42% | 5.98% | 6.33% | 6.84% | 7.24% | 6.30% | 5.91% | 4.92% | -192 bps | |
| Net Worth / Assets | 5.42% | 5.98% | 6.33% | 6.84% | 7.24% | 6.30% | 5.91% | 4.92% | -192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.02% | 24.65% | 24.39% | 24.09% | 23.44% | 23.00% | 20.81% | 18.92% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |