Unity, ME · Charter 24915
NCUA · 1 branch
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.18% | -12.80% | -2.09% | -4.89% | -6.31% | -10.21% | -11.76% | -11.64% | -675 bps | |
| Return on Equity | -6.67% | -21.66% | -3.60% | -8.38% | -10.51% | -17.38% | -20.66% | -20.85% | -1,248 bps | |
| Net Interest Margin | 0.24% | 0.57% | 0.76% | 0.91% | 1.10% | 1.68% | 1.85% | 1.99% | +108 bps | |
| Efficiency Ratio | 140.78% | 1541% | 118.49% | 154.06% | 182.79% | 578% | 889% | 744% | +58,998 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 47.97% | 13.50% | 23.31% | 8.22% | -5.44% | -7.99% | -14.89% | -13.07% | -2,129 bps | |
| Loan Growth (YoY) | n/a | 2208% | 2405% | 239% | 184.67% | 83.12% | 75.27% | 39.07% | -20,001 bps | |
| Share Growth (YoY) | 5570% | 105.94% | 111.00% | 42.82% | 1.44% | -6.98% | -12.66% | -7.80% | -5,061 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 12.22% | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.91% | 0.98% | 1.07% | 1.13% | 1.11% | 1.26% | 1.27% | 1.41% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 62.74% | 59.11% | 58.02% | 58.34% | 60.04% | 58.73% | 56.91% | 55.81% | -253 bps | |
| Net Worth / Assets | 62.74% | 59.11% | 58.02% | 58.34% | 60.04% | 58.73% | 56.91% | 55.81% | -253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.27% | 44.78% | 44.82% | 58.68% | 68.12% | 88.15% | 89.95% | 88.50% | +2,983 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |