Indianapolis, IN · Charter 20174
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 | 0.18% | 0.04% | 0.11% | 0.32% | 0.66% | 0.50% | 0.00% | 0.06% | -25 bps | |
| Return on Equity | 2.09% | 0.47% | 1.32% | 3.91% | 7.95% | 5.98% | 0.03% | 0.74% | -317 bps | |
| Net Interest Margin | 2.66% | 2.43% | 1.87% | 1.78% | 1.79% | 1.80% | 1.77% | 1.87% | +8 bps | |
| Efficiency Ratio | 90.99% | 94.56% | 96.39% | 87.15% | 77.50% | 83.39% | 97.38% | 96.13% | +898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.54% | 22.43% | 22.97% | 14.82% | 10.87% | 5.82% | 4.15% | -0.62% | -1,545 bps | |
| Loan Growth (YoY) | -16.22% | -9.14% | -5.71% | 12.72% | 33.47% | 24.97% | 31.62% | 25.84% | +1,312 bps | |
| Share Growth (YoY) | 21.54% | 24.89% | 25.59% | 16.39% | 11.47% | 5.75% | 3.83% | -1.18% | -1,757 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.66% | 0.28% | 0.12% | 0.54% | 0.30% | 0.31% | 0.18% | +5 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 | 0.46% | 0.52% | 0.44% | 0.37% | 0.33% | 0.23% | 0.27% | 0.25% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.81% | 8.36% | 8.07% | 8.07% | 8.36% | 8.40% | 8.22% | 8.50% | +43 bps | |
| Net Worth / Assets | 8.81% | 8.36% | 8.07% | 8.07% | 8.36% | 8.40% | 8.22% | 8.50% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.62% | 32.39% | 30.80% | 34.46% | 39.06% | 38.28% | 39.04% | 43.88% | +942 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |