Muncie, IN · Charter 339
NCUA · 2 branches
Q3 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | -0.31% | -0.33% | -0.64% | -0.74% | -43 bps | |
| Return on Equity | -2.75% | -2.67% | -2.93% | -6.11% | -7.04% | -429 bps | |
| Net Interest Margin | 2.05% | 2.15% | 2.20% | 1.99% | 2.00% | -5 bps | |
| Efficiency Ratio | 105.75% | 108.39% | 113.65% | 125.45% | 129.46% | +2,371 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.45% | -8.70% | -4.06% | 3.68% | -0.22% | +22 bps | |
| Loan Growth (YoY) | -17.68% | -16.10% | -14.71% | -12.68% | -1.55% | +1,613 bps | |
| Share Growth (YoY) | -2.18% | -12.28% | -4.66% | 4.67% | 2.50% | +468 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.60% | 0.59% | 1.71% | 1.27% | +62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.34% | 0.54% | 0.00% | 0.00% | -59 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.21% | 11.45% | 11.20% | 10.39% | 10.52% | -69 bps | |
| Net Worth / Assets | 11.21% | 11.45% | 11.20% | 10.39% | 10.52% | -69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.44% | 32.93% | 31.00% | 27.86% | 32.12% | -132 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |