New Castle, DE · Charter 15790
NCUA · 1 branch
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.54% | 0.33% | 0.33% | 0.42% | 0.46% | 0.41% | -13.29% | -1,362 bps | |
| Return on Equity | 6.43% | 3.91% | 2.33% | 2.36% | 3.03% | 3.20% | 2.83% | -117.02% | -11,938 bps | |
| Net Interest Margin | 2.26% | 2.28% | 2.34% | 2.63% | 2.62% | 2.77% | 2.82% | 2.78% | +15 bps | |
| Efficiency Ratio | 80.03% | 84.24% | 90.10% | 91.09% | 88.56% | 88.06% | 89.48% | 474% | +38,255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.81% | -3.72% | -7.30% | -8.67% | -1.55% | -1.67% | 0.86% | -2.54% | +613 bps | |
| Loan Growth (YoY) | -0.41% | 3.59% | -0.29% | 5.95% | 6.59% | 1.68% | -2.61% | -17.25% | -2,320 bps | |
| Share Growth (YoY) | -5.03% | -4.97% | -9.01% | -10.71% | -2.44% | -2.07% | 1.28% | -0.48% | +1,023 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.77% | 0.45% | 0.17% | 0.48% | 0.30% | 0.25% | 0.30% | +12 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.43% | 13.73% | 14.12% | 13.95% | 13.85% | 14.28% | 14.44% | 11.36% | -259 bps | |
| Net Worth / Assets | 13.43% | 13.73% | 14.12% | 13.95% | 13.85% | 14.28% | 14.44% | 11.36% | -259 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.68% | 23.41% | 24.94% | 25.16% | 24.78% | 24.31% | 23.98% | 20.92% | -424 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |