New Haven, IN · Charter 16805
NCUA · 1 branch
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New Haven, IN · Charter 16805
NCUA · 1 branch
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 | 0.67% | 0.42% | 0.13% | 0.05% | -0.12% | -79 bps | |
| Return on Equity | 8.29% | 5.32% | 1.67% | 0.59% | -1.45% | -973 bps | |
| Net Interest Margin | 1.11% | 1.05% | 0.86% | 1.07% | 1.11% | +1 bps | |
| Efficiency Ratio | 70.66% | 79.28% | 92.81% | 97.35% | 106.72% | +3,606 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.12% | 5.07% | 2.06% | 1.06% | -2.20% | -1,432 bps | |
| Loan Growth (YoY) | -10.13% | -18.49% | -18.26% | -11.06% | -8.93% | +120 bps | |
| Share Growth (YoY) | 12.58% | 5.07% | 1.76% | 0.85% | -2.16% | -1,474 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.02% | 0.02% | 0.01% | 0.01% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 1.30% | 1.42% | 1.37% | 1.32% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.08% | 7.98% | 7.75% | 7.90% | 8.09% | +2 bps | |
| Net Worth / Assets | 8.08% | 7.98% | 7.75% | 7.90% | 8.09% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 8.06% | 7.43% | 6.57% | 6.98% | 7.50% | -56 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |