Greenbelt, MD · Charter 2490
NCUA · 1 branch
Q4 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.07% | 0.06% | 0.18% | 0.95% | 1.50% | 1.66% | 1.02% | +84 bps | |
| Return on Equity | -2.22% | -0.78% | 0.64% | 1.92% | 9.98% | 14.92% | 15.78% | 9.82% | +790 bps | |
| Net Interest Margin | 1.41% | 1.44% | 1.66% | 1.86% | 3.10% | 3.32% | 3.47% | 3.48% | +162 bps | |
| Efficiency Ratio | 111.57% | 103.85% | 97.08% | 90.51% | 65.17% | 59.74% | 56.63% | 71.13% | -1,938 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | 2.63% | 1.71% | -0.19% | 1.01% | -1.22% | 1.16% | 0.11% | +30 bps | |
| Loan Growth (YoY) | -2.60% | 6.75% | 18.13% | 22.63% | 15.14% | 2.88% | -6.17% | -9.41% | -3,204 bps | |
| Share Growth (YoY) | 2.04% | 2.74% | 1.81% | -0.42% | 0.57% | -2.24% | -0.34% | -1.04% | -62 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.30% | 0.23% | 0.19% | 0.13% | 0.25% | 0.21% | 0.11% | -8 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 | 0.73% | 0.69% | 0.65% | 0.59% | 0.00% | 0.00% | 0.00% | 0.00% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.13% | 8.96% | 9.25% | 9.36% | 9.51% | 10.03% | 10.52% | 10.36% | +100 bps | |
| Net Worth / Assets | 9.13% | 8.96% | 9.25% | 9.36% | 9.51% | 10.03% | 10.52% | 10.36% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.80% | 27.78% | 31.25% | 31.57% | 29.54% | 29.23% | 29.42% | 28.89% | -267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |