Struthers, OH · Charter 13531
NCUA · 1 branch
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.31% | 0.26% | 0.08% | -0.06% | -0.14% | -0.09% | 0.66% | +58 bps | |
| Return on Equity | 4.20% | 4.00% | 3.54% | 1.19% | -0.92% | -2.06% | -1.44% | 9.92% | +874 bps | |
| Net Interest Margin | 2.89% | 2.83% | 2.65% | 2.12% | 2.07% | 2.02% | 1.90% | 1.57% | -55 bps | |
| Efficiency Ratio | 90.51% | 90.66% | 90.56% | 93.46% | 94.63% | 99.14% | 98.59% | 64.60% | -2,886 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.31% | 14.19% | 18.85% | 26.49% | 15.27% | 14.31% | 10.89% | 3.09% | -2,339 bps | |
| Loan Growth (YoY) | -4.61% | -5.96% | -4.91% | -6.28% | -8.39% | -11.61% | -21.79% | -22.08% | -1,581 bps | |
| Share Growth (YoY) | 12.78% | 15.26% | 20.30% | 28.72% | 16.46% | 15.53% | 11.85% | 3.20% | -2,552 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.84% | 0.77% | 0.42% | 0.37% | 0.51% | 1.26% | 0.67% | +25 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 | 0.88% | 0.86% | 0.85% | 0.87% | 0.82% | 0.84% | 0.88% | 0.98% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.64% | 7.68% | 7.37% | 6.79% | 6.69% | 6.65% | 6.55% | 6.64% | -15 bps | |
| Net Worth / Assets | 7.64% | 7.68% | 7.37% | 6.79% | 6.69% | 6.65% | 6.55% | 6.64% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.00% | 36.49% | 35.36% | 30.96% | 29.10% | 27.92% | 24.73% | 23.37% | -759 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |