Richmond, IN · Charter 15028
NCUA · 1 branch
Q1 2024
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 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.73% | -0.73% | -0.51% | 0.41% | 0.30% | 0.14% | 0.18% | 2.03% | +163 bps | |
| Return on Equity | -8.85% | -8.87% | -6.15% | 4.75% | 3.52% | 1.64% | 2.02% | 19.16% | +1,442 bps | |
| Net Interest Margin | 1.34% | 1.56% | 1.70% | 2.58% | 2.73% | 3.12% | 3.62% | 4.88% | +230 bps | |
| Efficiency Ratio | 119.79% | 122.19% | 113.96% | 89.26% | 91.09% | 94.94% | 91.24% | 68.35% | -2,091 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.09% | 5.08% | 0.74% | -6.18% | -3.00% | -1.13% | -4.32% | -14.92% | -874 bps | |
| Loan Growth (YoY) | 0.65% | 2.56% | 1.91% | 11.54% | 10.26% | 18.08% | 14.50% | 4.79% | -675 bps | |
| Share Growth (YoY) | 3.60% | 6.26% | 1.32% | -6.51% | -3.14% | -1.27% | -4.81% | -16.77% | -1,026 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.16% | 0.15% | 0.00% | 0.36% | 0.00% | 0.00% | -15 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 | 0.75% | 0.73% | 0.70% | 0.66% | 0.60% | 0.60% | 0.79% | 0.43% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.23% | 8.23% | 8.35% | 8.59% | 8.41% | 8.48% | 8.88% | 10.62% | +203 bps | |
| Net Worth / Assets | 8.23% | 8.23% | 8.35% | 8.59% | 8.41% | 8.48% | 8.88% | 10.62% | +203 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.24% | 31.44% | 32.27% | 34.09% | 33.28% | 37.61% | 38.82% | 42.93% | +883 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |