Richmond, IN · Charter 14768
NCUA · 1 branch
Q1 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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 1.03% | 1.02% | 0.61% | 0.39% | -8.22% | -7.69% | -36.60% | -3,721 bps | |
| Return on Equity | 5.19% | 11.15% | 11.41% | 7.20% | 4.52% | -354% | -378% | n/a | n/a | |
| Net Interest Margin | 3.90% | 4.02% | 3.97% | 4.21% | 4.13% | 4.13% | 4.71% | 3.31% | -90 bps | |
| Efficiency Ratio | 71.58% | 65.81% | 66.87% | 76.21% | 75.35% | 81.15% | 95.35% | 862% | +78,563 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.28% | 2.79% | 8.16% | 18.47% | 16.87% | 12.36% | -8.24% | -22.40% | -4,087 bps | |
| Loan Growth (YoY) | 78.26% | 90.27% | 75.85% | 52.26% | 31.42% | 1.25% | -14.41% | -28.74% | -8,100 bps | |
| Share Growth (YoY) | 3.75% | 2.66% | 1.19% | 18.90% | 15.29% | 20.90% | 5.19% | -12.64% | -3,154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.10% | 1.10% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.15% | 0.32% | 0.43% | 0.41% | 0.07% | 0.68% | 0.78% | 2.19% | +178 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.87% | 9.22% | 8.98% | 8.53% | 8.54% | 2.32% | 2.03% | -6.91% | -1,544 bps | |
| Net Worth / Assets | 8.87% | 9.22% | 8.98% | 8.53% | 8.54% | 2.32% | 2.03% | -6.91% | -1,544 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.51% | 105.44% | 111.96% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |