Cleveland, OH · Charter 24761
NCUA · 1 branch
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -1.42% | -1.19% | -0.52% | -0.54% | -0.38% | -0.47% | 0.08% | +61 bps | |
| Return on Equity | -3.04% | -8.90% | -7.98% | -3.56% | -3.56% | -2.54% | -3.15% | 0.55% | +410 bps | |
| Net Interest Margin | 2.60% | 2.56% | 2.37% | 2.18% | 2.29% | 2.31% | 2.39% | 2.46% | +28 bps | |
| Efficiency Ratio | 115.97% | 105.96% | 110.65% | 119.00% | 118.56% | 112.94% | 115.63% | 97.30% | -2,170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.50% | 4.78% | 13.45% | 10.51% | 2.06% | 3.18% | -3.58% | -5.08% | -1,559 bps | |
| Loan Growth (YoY) | -11.93% | -12.00% | -7.57% | -3.85% | -2.69% | -3.56% | -2.96% | -5.82% | -197 bps | |
| Share Growth (YoY) | -4.19% | 7.09% | 12.73% | 14.58% | 4.18% | 4.42% | 0.56% | -5.44% | -2,002 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 0.84% | 0.63% | 0.16% | 0.11% | 0.38% | 0.51% | 0.46% | +29 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 | 2.58% | 2.47% | 2.18% | 1.80% | 1.79% | 2.00% | 1.94% | 2.07% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.85% | 15.98% | 14.87% | 14.76% | 15.02% | 15.01% | 14.95% | 15.22% | +47 bps | |
| Net Worth / Assets | 16.85% | 15.98% | 14.87% | 14.76% | 15.02% | 15.01% | 14.95% | 15.22% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.93% | 34.68% | 33.30% | 31.98% | 32.63% | 32.03% | 32.14% | 31.86% | -13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |