Huntington, IN · Charter 18857
NCUA · 1 branch
Q4 2023
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Huntington, IN · Charter 18857
NCUA · 1 branch
Q4 2023
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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.89% | 0.71% | 0.72% | 0.13% | 0.14% | 0.27% | -2.92% | -364 bps | |
| Return on Equity | 5.22% | 7.24% | 5.52% | 5.26% | 0.87% | 1.03% | 2.02% | -26.56% | -3,182 bps | |
| Net Interest Margin | 2.41% | 2.71% | 2.93% | 3.27% | 3.46% | 3.53% | 3.43% | 1.19% | -208 bps | |
| Efficiency Ratio | 88.53% | 88.82% | 89.79% | 86.56% | 90.30% | 89.89% | 87.29% | 266% | +17,948 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.85% | -0.37% | -7.25% | -13.25% | -20.77% | -7.59% | -2.16% | -0.93% | +1,232 bps | |
| Loan Growth (YoY) | -7.38% | 0.50% | 14.22% | 11.16% | 13.30% | 4.09% | -6.99% | -9.59% | -2,075 bps | |
| Share Growth (YoY) | 3.71% | -1.29% | -8.79% | -15.67% | -23.88% | -8.94% | -2.89% | 2.27% | +1,794 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.73% | 1.03% | 0.62% | 1.31% | 1.64% | 0.99% | 0.00% | -62 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 | 1.33% | 0.90% | 0.59% | 0.68% | 0.37% | 0.48% | 0.38% | 0.60% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.95% | 12.30% | 12.85% | 13.77% | 14.43% | 13.62% | 13.49% | 10.98% | -279 bps | |
| Net Worth / Assets | 10.95% | 12.30% | 12.85% | 13.77% | 14.43% | 13.62% | 13.49% | 10.98% | -279 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.63% | 66.87% | 75.70% | 81.09% | 84.28% | 76.45% | 72.50% | 71.68% | -941 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |