Orwell, OH · Charter 15263
NCUA · 1 branch
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
96
Asset Quality
100
Profitability
66
Liquidity
41
Efficiency
35
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Orwell, OH · Charter 15263
NCUA · 1 branch
Q3 2024
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.47% | 3.13% | 1.59% | 1.02% | +37 bps | |
| Return on Equity | 2.66% | 1.80% | 11.77% | 5.68% | 3.51% | +85 bps | |
| Net Interest Margin | 5.03% | 5.25% | 7.69% | 6.32% | 5.97% | +95 bps | |
| Efficiency Ratio | 87.38% | 91.13% | 59.34% | 74.84% | 82.87% | -451 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.04% | -21.60% | -20.97% | -25.37% | -14.25% | +378 bps | |
| Loan Growth (YoY) | 12.80% | -12.36% | -18.48% | -28.47% | -41.64% | -5,444 bps | |
| Share Growth (YoY) | -20.18% | -25.01% | -27.43% | -33.25% | -19.76% | +41 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.81% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 1.09% | 1.18% | 0.46% | 0.55% | -45 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.35% | 26.33% | 26.58% | 27.99% | 29.11% | +476 bps | |
| Net Worth / Assets | 24.35% | 26.33% | 26.58% | 27.99% | 29.11% | +476 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.62% | 76.31% | 69.05% | 61.13% | 54.28% | -2,034 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Orwell, OH · Charter 15263 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
Return on Assets
1.01%
Rank 587 of 1,761
Net Interest Margin
6.06%
Rank 54 of 1,761
Efficiency Ratio
83.33%
Rank 1,147 of 1,754
Equity / Assets
29.09%
Rank 63 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 0.26% | 0.70% | 1.22% | Beats 67% | 587 / 1,761 | |
| Return on Equity | 3.47% | 2.09% | 5.52% | 9.08% | Beats 35% | 1,141 / 1,761 | |
| Net Interest Margin | 6.06% | 3.03% | 3.59% | 4.25% | Beats 97% | 54 / 1,761 | |
| Efficiency Ratio | 83.33% | 68.95% | 77.94% | 87.14% | Beats 35% | 1,147 / 1,754 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.27% | Beats 100% | 134 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 29.11% | 10.05% | 12.42% | 15.87% | Beats 96% | 63 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 29.09% | 10.05% | 12.42% | 15.87% | Beats 96% | 63 / 1,761 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.28% | 56.21% | 73.13% | 85.64% | 22nd pctl | 1,368 / 1,759 | |
| Loans / Assets | 38.18% | 47.85% | 62.48% | 73.19% | 13th pctl | 1,533 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||