Halltown, WV · Charter 14045
NCUA · 1 branch
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 | -8.93% | -9.96% | -5.27% | -3.75% | -4.46% | -5.88% | -16.92% | -10.73% | -699 bps | |
| Return on Equity | -49.12% | -60.27% | -36.67% | -26.94% | -34.95% | -42.03% | -93.75% | -64.69% | -3,775 bps | |
| Net Interest Margin | 6.85% | 6.68% | 5.27% | 6.57% | 6.01% | 6.87% | 6.52% | 3.89% | -268 bps | |
| Efficiency Ratio | 165.93% | 193.26% | 197.51% | 154.48% | 169.54% | 179.57% | 79.42% | 140.83% | -1,365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.68% | -24.71% | -11.96% | -0.23% | -3.67% | -16.83% | -50.43% | -49.40% | -4,917 bps | |
| Loan Growth (YoY) | -19.61% | -24.57% | -36.21% | -28.08% | -29.05% | -42.90% | -46.17% | -51.34% | -2,325 bps | |
| Share Growth (YoY) | -18.56% | -22.88% | -5.77% | 10.38% | 1.34% | -16.00% | -54.73% | -52.96% | -6,334 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.10% | 15.44% | 0.00% | 0.00% | 2.25% | 2.84% | 0.00% | 0.00% | 0 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 | 9.23% | 9.46% | 3.57% | 4.33% | 5.40% | 8.22% | 6.29% | 6.91% | +257 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.17% | 16.53% | 14.36% | 13.90% | 12.76% | 13.99% | 18.04% | 16.59% | +268 bps | |
| Net Worth / Assets | 18.17% | 16.53% | 14.36% | 13.90% | 12.76% | 13.99% | 18.04% | 16.59% | +268 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.33% | 57.27% | 43.23% | 43.74% | 38.74% | 38.93% | 51.40% | 45.25% | +151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |