Belpre, OH · Charter 20204
NCUA · 1 branch
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.71% | 0.77% | 0.31% | 0.67% | 0.75% | 0.87% | 0.47% | +17 bps | |
| Return on Equity | 4.83% | 5.24% | 5.38% | 1.98% | 3.97% | 4.03% | 4.46% | 2.45% | +47 bps | |
| Net Interest Margin | 2.46% | 2.53% | 2.68% | 2.07% | 2.56% | 2.88% | 3.09% | 2.98% | +91 bps | |
| Efficiency Ratio | 69.19% | 68.67% | 69.13% | 85.30% | 74.06% | 73.84% | 71.86% | 84.14% | -116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.86% | -7.20% | -11.88% | -15.22% | -18.26% | -25.02% | -24.26% | -16.88% | -166 bps | |
| Loan Growth (YoY) | 2.60% | 2.08% | -7.20% | -12.38% | -19.75% | -15.71% | -10.63% | -12.57% | -19 bps | |
| Share Growth (YoY) | -7.14% | -16.40% | -21.68% | -20.98% | -21.69% | -23.19% | -22.23% | -17.99% | +299 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.70% | 0.77% | 0.81% | 0.85% | 0.83% | 0.86% | 0.93% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.16% | 13.54% | 14.24% | 15.46% | 16.76% | 18.71% | 19.52% | 19.34% | +388 bps | |
| Net Worth / Assets | 13.16% | 13.54% | 14.24% | 15.46% | 16.76% | 18.71% | 19.52% | 19.34% | +388 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.40% | 44.37% | 42.72% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |