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Our Sunday Visitor Employees

Huntington, IN · Charter 18857

NCUA · 1 branch

Q4 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2023, the quarter ended December 31, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Our Sunday Visitor Employees

Huntington, IN · Charter 18857

NCUA · 1 branch

Q4 2023

$3.3MAssets
$2.1MLoans
$2.9MShares
$358KNet 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 -2.92%, down 364 bps year over year; NIM at 1.19%.
  • Asset quality: problem loans at 0.00% of loans (-62 bps YoY).
  • Capital: net worth / assets of 10.98%, down 279 bps from a year ago.
  • Funding: loans stand at 71.68% of shares as of Q4 2023.

Financial Results

Return on Assets (YTD, annualized)

-2.92%-364 bps YoY

Net Interest Margin (YTD, annualized)

1.19%-208 bps YoY

Efficiency Ratio (YTD, annualized)

266%+17,948 bps YoY

Net Worth / Assets

10.98%-279 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023YoY ΔTrend
Earnings
Return on Assets0.72%0.13%0.14%0.27%-2.92%-364 bps
Return on Equity5.26%0.87%1.03%2.02%-26.56%-3,182 bps
Net Interest Margin3.27%3.46%3.53%3.43%1.19%-208 bps
Efficiency Ratio86.56%90.30%89.89%87.29%266%+17,948 bps
Growth
Asset Growth (YoY)-13.25%-20.77%-7.59%-2.16%-0.93%+1,232 bps
Loan Growth (YoY)11.16%13.30%4.09%-6.99%-9.59%-2,075 bps
Share Growth (YoY)-15.67%-23.88%-8.94%-2.89%2.27%+1,794 bps
Asset Quality
Delinquent Loans / Loans0.62%1.31%1.64%0.99%0.00%-62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.68%0.37%0.48%0.38%0.60%-8 bps
Capital
Risk-Based Capital13.77%14.43%13.62%13.49%10.98%-279 bps
Net Worth / Assets13.77%14.43%13.62%13.49%10.98%-279 bps
Liquidity & Funding
Loans / Shares81.09%84.28%76.45%72.50%71.68%-941 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps