Hartville, OH · Charter 15942
NCUA · 2 branches
Q3 2022
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 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | -0.08% | -0.23% | 0.04% | -4.82% | -479 bps | |
| Return on Equity | -0.43% | -1.23% | -3.74% | 0.60% | -164.32% | -16,389 bps | |
| Net Interest Margin | 2.22% | 2.15% | 2.14% | 2.25% | 2.62% | +41 bps | |
| Efficiency Ratio | 98.96% | 100.27% | 105.76% | 97.22% | 231% | +13,193 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.32% | 13.99% | 7.41% | 8.34% | -0.17% | -1,449 bps | |
| Loan Growth (YoY) | 1.50% | 2.20% | 7.38% | 14.40% | 25.17% | +2,366 bps | |
| Share Growth (YoY) | 15.58% | 15.45% | 8.25% | 9.05% | 1.64% | -1,394 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.11% | 0.00% | 0.08% | 0.11% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.32% | 0.27% | 0.25% | 0.28% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.60% | 6.29% | 6.17% | 6.12% | 2.93% | -366 bps | |
| Net Worth / Assets | 6.60% | 6.29% | 6.17% | 6.12% | 2.93% | -366 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.45% | 46.29% | 48.06% | 51.55% | 59.67% | +1,122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |