Bluefield, WV · Charter 19158
NCUA · 1 branch
Q3 2024
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | -0.36% | 0.19% | 0.63% | -19.93% | -1,985 bps | |
| Return on Equity | -0.19% | -0.93% | 0.48% | 1.51% | -44.25% | -4,406 bps | |
| Net Interest Margin | 5.74% | 5.35% | 4.79% | 4.69% | 6.75% | +101 bps | |
| Efficiency Ratio | 101.30% | 106.61% | 96.05% | 86.62% | 112.11% | +1,081 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -41.77% | -29.29% | -30.49% | -32.47% | -36.21% | +556 bps | |
| Loan Growth (YoY) | -11.75% | -14.08% | -18.75% | -27.73% | -37.94% | -2,619 bps | |
| Share Growth (YoY) | -53.86% | -40.04% | -41.97% | -45.05% | -42.94% | +1,092 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.25% | 33.32% | 22.87% | 30.23% | 8.29% | -995 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 18.98% | 18.93% | 19.98% | 22.95% | 31.03% | +1,205 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.57% | 38.41% | 39.71% | 41.90% | 45.03% | +646 bps | |
| Net Worth / Assets | 38.57% | 38.41% | 39.71% | 41.90% | 45.03% | +646 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 130.90% | 120.89% | 120.84% | 115.86% | 142.38% | +1,148 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |