Hartville, OH · Charter 15942
NCUA · 2 branches
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.21% | 0.06% | -0.03% | -0.08% | -0.23% | 0.04% | -4.82% | -479 bps | |
| Return on Equity | 0.53% | 3.11% | 0.92% | -0.43% | -1.23% | -3.74% | 0.60% | -164.32% | -16,389 bps | |
| Net Interest Margin | 2.77% | 2.27% | 2.24% | 2.22% | 2.15% | 2.14% | 2.25% | 2.62% | +41 bps | |
| Efficiency Ratio | 96.85% | 95.35% | 98.23% | 98.96% | 100.27% | 105.76% | 97.22% | 231% | +13,193 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.24% | 24.16% | 14.75% | 14.32% | 13.99% | 7.41% | 8.34% | -0.17% | -1,449 bps | |
| Loan Growth (YoY) | -2.36% | -2.61% | 0.00% | 1.50% | 2.20% | 7.38% | 14.40% | 25.17% | +2,366 bps | |
| Share Growth (YoY) | 18.73% | 26.22% | 16.23% | 15.58% | 15.45% | 8.25% | 9.05% | 1.64% | -1,394 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.27% | 0.25% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.25% | 0.25% | 0.37% | 0.32% | 0.27% | 0.25% | 0.28% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.26% | 6.83% | 6.72% | 6.60% | 6.29% | 6.17% | 6.12% | 2.93% | -366 bps | |
| Net Worth / Assets | 7.26% | 6.83% | 6.72% | 6.60% | 6.29% | 6.17% | 6.12% | 2.93% | -366 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.29% | 48.45% | 49.14% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |