Cleveland, OH · Charter 13615
NCUA · 2 branches
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 | -0.72% | -0.65% | -0.45% | -0.91% | -1.16% | -44 bps | |
| Return on Equity | -6.13% | -5.43% | -3.92% | -7.93% | -9.81% | -368 bps | |
| Net Interest Margin | 1.97% | 2.01% | 1.97% | 2.07% | 2.23% | +27 bps | |
| Efficiency Ratio | 124.21% | 121.20% | 113.32% | 128.18% | 131.22% | +702 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.76% | 1.20% | -1.70% | -4.61% | -8.08% | -1,284 bps | |
| Loan Growth (YoY) | -19.66% | -13.64% | -12.38% | -10.98% | -4.87% | +1,479 bps | |
| Share Growth (YoY) | 6.36% | 2.26% | -1.31% | -4.64% | -13.48% | -1,984 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.22% | 0.70% | 0.28% | 1.50% | +117 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.66% | 1.50% | 1.57% | 1.57% | 1.71% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.74% | 11.95% | 11.60% | 11.51% | 11.85% | +11 bps | |
| Net Worth / Assets | 11.74% | 11.95% | 11.60% | 11.51% | 11.85% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.37% | 26.54% | 23.65% | 23.51% | 27.89% | +253 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |