Salisbury, MD · Charter 21167
NCUA · 1 branch
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.00% | 0.14% | 0.27% | 0.43% | 0.39% | 0.48% | -12.77% | -1,304 bps | |
| Return on Equity | 0.90% | -0.02% | 0.72% | 1.39% | 2.12% | 1.94% | 2.42% | -134.08% | -13,547 bps | |
| Net Interest Margin | 1.75% | 1.53% | 1.64% | 1.79% | 1.98% | 2.29% | 2.38% | -9.93% | -1,172 bps | |
| Efficiency Ratio | 89.93% | 100.20% | 91.61% | 85.03% | 78.48% | 83.14% | 93.60% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.12% | 2.14% | 0.47% | 0.32% | -0.50% | -0.47% | -0.13% | 3.25% | +292 bps | |
| Loan Growth (YoY) | 5.23% | 2.60% | 3.40% | 10.21% | 14.70% | 25.77% | 20.80% | 9.86% | -35 bps | |
| Share Growth (YoY) | 3.70% | 2.43% | 0.31% | 0.12% | -1.20% | -1.24% | -0.86% | 15.00% | +1,489 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.09% | 0.11% | 0.25% | 0.03% | 0.02% | 0.14% | 0.02% | -24 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 | 1.30% | 1.33% | 1.26% | 1.17% | 1.02% | 0.00% | 0.00% | 0.00% | -117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.62% | 19.49% | 19.34% | 19.51% | 20.15% | 20.10% | 19.95% | 9.53% | -998 bps | |
| Net Worth / Assets | 19.62% | 19.49% | 19.34% | 19.51% | 20.15% | 20.10% | 19.95% | 9.53% | -998 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.73% | 24.02% | 24.99% | 27.08% | 28.71% | 30.59% | 30.45% | 25.87% | -121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |