Williamson, WV · Charter 22678
NCUA · 1 branch
Q3 2022
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.83% | 2.81% | 0.69% | 1.91% | 1.30% | -353 bps | |
| Return on Equity | 28.78% | 16.13% | 4.11% | 11.26% | 7.73% | -2,105 bps | |
| Net Interest Margin | 7.42% | 8.15% | 5.78% | 5.50% | 4.78% | -265 bps | |
| Efficiency Ratio | 35.92% | 41.60% | 88.21% | 65.53% | 73.08% | +3,716 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.76% | -1.89% | -6.18% | -4.78% | -0.61% | -1,237 bps | |
| Loan Growth (YoY) | 9.55% | 2.43% | 0.26% | 4.06% | 7.12% | -242 bps | |
| Share Growth (YoY) | 14.49% | -6.69% | -10.99% | -10.26% | -1.97% | -1,646 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.45% | 3.25% | 3.38% | 3.30% | 64.93% | +6,147 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.23% | 4.24% | 4.37% | 4.35% | 4.00% | +177 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.77% | 17.43% | 16.77% | 16.99% | 16.75% | -2 bps | |
| Net Worth / Assets | 16.77% | 17.43% | 16.77% | 16.99% | 16.75% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 107.37% | 125.89% | 114.91% | 112.66% | 117.32% | +996 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |