Oxford, OH · Charter 24336
NCUA · 1 branch
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -22.51% | -21.87% | -20.08% | -7.96% | -11.36% | -11.81% | -14.46% | -9.83% | -187 bps | |
| Return on Equity | -122.26% | -196.95% | -180.14% | -54.23% | -103.20% | -140.55% | -185.90% | -1549% | -149,445 bps | |
| Net Interest Margin | 3.72% | 3.19% | 3.89% | 3.76% | 4.05% | 3.72% | 3.99% | 2.71% | -104 bps | |
| Efficiency Ratio | 431% | 235% | 220% | 113.31% | 132.86% | 170.20% | 215% | 215% | +10,126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.85% | -11.05% | -20.05% | -17.64% | -17.70% | -19.24% | -13.80% | -17.56% | +8 bps | |
| Loan Growth (YoY) | -16.03% | -15.98% | -17.87% | -20.81% | -22.71% | -17.65% | -13.26% | -15.32% | +549 bps | |
| Share Growth (YoY) | 7.07% | 16.32% | -7.51% | -9.73% | -12.24% | -18.03% | -6.19% | -2.22% | +751 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 1.79% | 1.91% | 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 | 0.86% | 3.75% | 3.99% | 5.38% | 6.16% | 5.97% | 5.30% | 5.56% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.42% | 11.11% | 11.15% | 14.68% | 11.01% | 8.40% | 7.78% | 0.63% | -1,405 bps | |
| Net Worth / Assets | 18.42% | 11.11% | 11.15% | 14.68% | 11.01% | 8.40% | 7.78% | 0.63% | -1,405 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.25% | 44.40% | 48.82% | 47.05% | 46.90% | 44.61% | 45.14% | 40.74% | -630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |