Richmond, IN · Charter 14768
NCUA · 1 branch
Q1 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.39% | -8.22% | -7.69% | -36.60% | -3,721 bps | |
| Return on Equity | 7.20% | 4.52% | -354% | -378% | n/a | n/a | |
| Net Interest Margin | 4.21% | 4.13% | 4.13% | 4.71% | 3.31% | -90 bps | |
| Efficiency Ratio | 76.21% | 75.35% | 81.15% | 95.35% | 862% | +78,563 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.47% | 16.87% | 12.36% | -8.24% | -22.40% | -4,087 bps | |
| Loan Growth (YoY) | 52.26% | 31.42% | 1.25% | -14.41% | -28.74% | -8,100 bps | |
| Share Growth (YoY) | 18.90% | 15.29% | 20.90% | 5.19% | -12.64% | -3,154 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 2.93% | 0.07% | 7.52% | 1.06% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.07% | 0.68% | 0.78% | 2.19% | +178 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.53% | 8.54% | 2.32% | 2.03% | -6.91% | -1,544 bps | |
| Net Worth / Assets | 8.53% | 8.54% | 2.32% | 2.03% | -6.91% | -1,544 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.77% | 100.90% | 88.31% | 91.10% | 80.57% | -1,820 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |