Kenova, WV · Charter 22697
NCUA · 1 branch
Q1 2023
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 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -0.20% | -0.29% | 1.68% | 0.54% | 0.41% | 0.03% | -5.92% | -761 bps | |
| Return on Equity | 1.29% | -1.42% | -2.00% | 11.57% | 3.84% | 2.65% | 0.16% | -24.54% | -3,611 bps | |
| Net Interest Margin | 1.00% | 0.75% | 0.73% | 2.10% | 1.29% | 1.46% | 1.19% | 2.73% | +63 bps | |
| Efficiency Ratio | 76.61% | 114.45% | 125.41% | 20.49% | 55.69% | 68.01% | 90.62% | 310% | +28,967 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.98% | 8.81% | 2.96% | 3.64% | -0.38% | -8.11% | -10.28% | -39.75% | -4,338 bps | |
| Loan Growth (YoY) | -8.33% | -2.89% | 13.38% | 24.74% | 37.09% | 28.54% | 2.65% | -14.61% | -3,935 bps | |
| Share Growth (YoY) | 11.68% | 10.39% | 3.44% | 4.03% | -0.77% | -9.86% | -12.35% | -46.73% | -5,077 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.46% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 4.69% | 4.80% | 3.96% | 3.96% | 3.54% | 3.86% | 3.98% | 4.78% | +82 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.87% | 14.06% | 14.55% | 14.55% | 14.11% | 15.50% | 16.46% | 24.14% | +959 bps | |
| Net Worth / Assets | 13.87% | 14.06% | 14.55% | 14.55% | 14.11% | 15.50% | 16.46% | 24.14% | +959 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.79% | 58.97% | 75.55% | 73.57% | 81.22% | 84.09% | 88.48% | 117.94% | +4,437 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |