Indianapolis, IN · Charter 23975
NCUA · 1 branch
Q3 2023
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 0.66% | -3.35% | -0.33% | 0.44% | -60 bps | |
| Return on Equity | 12.54% | 8.02% | -42.03% | -3.85% | 4.75% | -778 bps | |
| Net Interest Margin | 2.58% | 2.69% | 3.78% | 3.65% | 3.76% | +118 bps | |
| Efficiency Ratio | 78.64% | 80.44% | 120.81% | 107.18% | 90.60% | +1,196 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.06% | -8.25% | -7.44% | -11.74% | -10.63% | -557 bps | |
| Loan Growth (YoY) | -26.78% | -32.17% | -37.33% | -37.08% | -36.08% | -929 bps | |
| Share Growth (YoY) | -6.23% | -9.46% | -7.06% | -11.52% | -12.79% | -657 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.38% | 1.36% | 0.00% | 0.00% | 0.00% | -138 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.28% | 8.23% | 7.97% | 8.47% | 9.16% | +88 bps | |
| Net Worth / Assets | 8.28% | 8.23% | 7.97% | 8.47% | 9.16% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |