Orwell, OH · Charter 15263
NCUA · 1 branch
Q3 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.02% | 0.45% | 0.50% | 0.65% | 0.47% | 3.13% | 1.59% | 1.02% | +37 bps | |
| Return on Equity | -5.03% | 2.23% | 2.46% | 2.66% | 1.80% | 11.77% | 5.68% | 3.51% | +85 bps | |
| Net Interest Margin | 2.99% | 4.12% | 4.14% | 5.03% | 5.25% | 7.69% | 6.32% | 5.97% | +95 bps | |
| Efficiency Ratio | 132.22% | 89.34% | 88.29% | 87.38% | 91.13% | 59.34% | 74.84% | 82.87% | -451 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.28% | -9.37% | -2.81% | -18.04% | -21.60% | -20.97% | -25.37% | -14.25% | +378 bps | |
| Loan Growth (YoY) | 60.28% | 78.98% | 63.56% | 12.80% | -12.36% | -18.48% | -28.47% | -41.64% | -5,444 bps | |
| Share Growth (YoY) | -13.32% | -10.85% | -3.50% | -20.18% | -25.01% | -27.43% | -33.25% | -19.76% | +41 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.95% | 0.97% | 1.03% | 1.00% | 1.09% | 1.18% | 0.46% | 0.55% | -45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.27% | 20.14% | 20.18% | 24.35% | 26.33% | 26.58% | 27.99% | 29.11% | +476 bps | |
| Net Worth / Assets | 20.27% | 20.14% | 20.18% | 24.35% | 26.33% | 26.58% | 27.99% | 29.11% | +476 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.29% | 61.47% | 57.04% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |