Paducah, KY · Charter 11955
NCUA · 1 branch
Q3 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.48% | -0.06% | -18.51% | -35.83% | -33.88% | -3,340 bps | |
| Return on Equity | -4.27% | -0.52% | -283% | n/a | n/a | n/a | |
| Net Interest Margin | 3.61% | 3.71% | 3.27% | 4.39% | 4.80% | +120 bps | |
| Efficiency Ratio | 87.94% | 80.82% | 116.92% | 115.02% | 152.96% | +6,502 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.10% | 13.67% | 9.14% | -5.94% | -31.07% | -4,217 bps | |
| Loan Growth (YoY) | 12.00% | 11.26% | 6.87% | -7.92% | -20.00% | -3,200 bps | |
| Share Growth (YoY) | 13.88% | 18.05% | 16.10% | 11.50% | -15.64% | -2,952 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.97% | 1.75% | 12.03% | 11.37% | 6.61% | +364 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 0.84% | 5.03% | 10.92% | 9.28% | +825 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.21% | 11.00% | 6.55% | -5.24% | -8.70% | -1,990 bps | |
| Net Worth / Assets | 11.21% | 11.00% | 6.55% | -5.24% | -8.70% | -1,990 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.47% | 101.16% | 95.99% | 84.03% | 97.17% | -530 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |