Belpre, OH · Charter 20204
NCUA · 1 branch
Q1 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.67% | 0.75% | 0.87% | 0.47% | +17 bps | |
| Return on Equity | 1.98% | 3.97% | 4.03% | 4.46% | 2.45% | +47 bps | |
| Net Interest Margin | 2.07% | 2.56% | 2.88% | 3.09% | 2.98% | +91 bps | |
| Efficiency Ratio | 85.30% | 74.06% | 73.84% | 71.86% | 84.14% | -116 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.22% | -18.26% | -25.02% | -24.26% | -16.88% | -166 bps | |
| Loan Growth (YoY) | -12.38% | -19.75% | -15.71% | -10.63% | -12.57% | -19 bps | |
| Share Growth (YoY) | -20.98% | -21.69% | -23.19% | -22.23% | -17.99% | +299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.04% | 0.00% | 1.07% | 1.39% | +139 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.85% | 0.83% | 0.86% | 0.93% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.46% | 16.76% | 18.71% | 19.52% | 19.34% | +388 bps | |
| Net Worth / Assets | 15.46% | 16.76% | 18.71% | 19.52% | 19.34% | +388 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.78% | 42.42% | 48.70% | 49.09% | 44.54% | +276 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |