Ashtabula, OH · Charter 19920
NCUA · 1 branch
Q2 2022
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.03% | 0.11% | -0.06% | -0.22% | -0.23% | -0.32% | -2.05% | -198 bps | |
| Return on Equity | 0.77% | 0.19% | 0.74% | -0.44% | -1.55% | -1.64% | -2.29% | -13.70% | -1,326 bps | |
| Net Interest Margin | 2.65% | 2.54% | 2.04% | 2.03% | 1.96% | 1.96% | 1.76% | 2.00% | -3 bps | |
| Efficiency Ratio | 95.43% | 98.83% | 94.94% | 103.02% | 110.56% | 111.29% | 117.71% | 262% | +15,946 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.01% | 15.55% | 22.16% | 17.13% | 15.21% | 9.71% | 1.00% | -11.17% | -2,830 bps | |
| Loan Growth (YoY) | -5.75% | -12.00% | -13.58% | -12.88% | -13.86% | -14.52% | -9.02% | -16.13% | -324 bps | |
| Share Growth (YoY) | 10.78% | 18.86% | 26.75% | 20.80% | 18.59% | 11.95% | 1.78% | -11.59% | -3,239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.18% | 1.09% | 0.14% | 0.12% | 0.09% | 0.06% | 0.04% | -10 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 | 0.12% | 0.13% | 0.13% | 0.14% | 0.14% | 0.15% | 0.14% | 0.16% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.35% | 15.79% | 14.46% | 14.37% | 13.98% | 14.16% | 13.97% | 14.93% | +56 bps | |
| Net Worth / Assets | 16.35% | 15.79% | 14.46% | 14.37% | 13.98% | 14.16% | 13.97% | 14.93% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.62% | 65.20% | 57.21% | 54.36% | 50.58% | 49.78% | 51.14% | 51.57% | -279 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |