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St. Joseph Hospital

Towson, MD · Charter 18651

NCUA · 2 branches

Q1 2025

$13.8MAssets
$3.8MLoans
$11.3MShares
$2.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.70%, down 196 bps year over year; NIM at 2.27%.
  • Asset quality: problem loans at 0.49% of loans (-40 bps YoY).
  • Capital: net worth / assets of 17.93%, up 115 bps from a year ago.
  • Funding: loans stand at 33.67% of shares as of Q1 2025.

Financial Results

Return on Assets (quarter, annualized)

-1.70%-196 bps YoY

Net Interest Margin (quarter, annualized)

2.27%+21 bps YoY

Efficiency Ratio (quarter, annualized)

167.50%+8,110 bps YoY

Net Worth / Assets

17.93%+115 bps YoY

Discrete quarter, annualized.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.26%0.26%0.28%0.32%-1.70%-196 bps
Return on Equity1.56%1.54%1.61%1.81%-9.48%-1,103 bps
Net Interest Margin2.06%2.13%2.22%2.30%2.27%+21 bps
Efficiency Ratio86.40%86.41%85.00%84.63%167.50%+8,110 bps
Growth
Asset Growth (YoY)-6.27%-5.49%-5.74%-5.17%-7.71%-145 bps
Loan Growth (YoY)-14.58%-14.33%-12.76%-10.14%-15.80%-122 bps
Share Growth (YoY)-7.73%-6.94%-7.10%-6.38%-8.96%-123 bps
Asset Quality
Delinquent Loans / Loans0.90%0.00%0.00%0.27%0.49%-40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.78%16.94%17.44%17.89%17.93%+115 bps
Net Worth / Assets16.78%16.94%17.44%17.89%17.93%+115 bps
Liquidity & Funding
Loans / Shares36.41%34.82%34.74%36.02%33.67%-274 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps