Indianapolis, IN · Charter 23975
NCUA · 1 branch
Q3 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2023, the quarter ended September 30, 2023, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Indianapolis, IN · Charter 23975
NCUA · 1 branch
Q3 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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.02% | 1.31% | 1.04% | 0.66% | -3.35% | -0.33% | 0.44% | -60 bps | |
| Return on Equity | 21.04% | 14.52% | 17.19% | 12.54% | 8.02% | -42.03% | -3.85% | 4.75% | -778 bps | |
| Net Interest Margin | 2.69% | 2.41% | 2.43% | 2.58% | 2.69% | 3.78% | 3.65% | 3.76% | +118 bps | |
| Efficiency Ratio | 72.35% | 74.36% | 73.91% | 78.64% | 80.44% | 120.81% | 107.18% | 90.60% | +1,196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.25% | 5.33% | 2.18% | -5.06% | -8.25% | -7.44% | -11.74% | -10.63% | -557 bps | |
| Loan Growth (YoY) | -22.54% | -18.86% | -21.30% | -26.78% | -32.17% | -37.33% | -37.08% | -36.08% | -929 bps | |
| Share Growth (YoY) | 8.33% | 4.17% | -0.51% | -6.23% | -9.46% | -7.06% | -11.52% | -12.79% | -657 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.52% | 2.66% | 2.06% | 1.81% | 1.89% | 1.31% | 0.51% | -155 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 | 1.73% | 1.61% | 1.45% | 1.38% | 1.36% | 0.00% | 0.00% | 0.00% | -138 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.91% | 7.01% | 7.63% | 8.28% | 8.23% | 7.97% | 8.47% | 9.16% | +88 bps | |
| Net Worth / Assets | 6.91% | 7.01% | 7.63% | 8.28% | 8.23% | 7.97% | 8.47% | 9.16% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.57% | 37.08% | 35.97% | 32.23% | 29.64% | 25.01% | 25.57% | 23.62% | -860 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |