Muncie, IN · Charter 339
NCUA · 2 branches
Q3 2023
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.07% | -0.37% | -0.31% | -0.31% | -0.33% | -0.64% | -0.74% | -43 bps | |
| Return on Equity | 1.59% | 0.61% | -3.26% | -2.75% | -2.67% | -2.93% | -6.11% | -7.04% | -429 bps | |
| Net Interest Margin | 1.88% | 1.85% | 2.00% | 2.05% | 2.15% | 2.20% | 1.99% | 2.00% | -5 bps | |
| Efficiency Ratio | 92.44% | 98.89% | 104.25% | 105.75% | 108.39% | 113.65% | 125.45% | 129.46% | +2,371 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.35% | 0.64% | 0.29% | -0.45% | -8.70% | -4.06% | 3.68% | -0.22% | +22 bps | |
| Loan Growth (YoY) | -9.69% | -10.85% | -16.55% | -17.68% | -16.10% | -14.71% | -12.68% | -1.55% | +1,613 bps | |
| Share Growth (YoY) | 10.43% | 0.53% | 0.43% | -2.18% | -12.28% | -4.66% | 4.67% | 2.50% | +468 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.26% | 0.74% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.63% | 1.12% | 0.59% | 0.34% | 0.54% | 0.00% | 0.00% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.74% | 11.22% | 11.31% | 11.21% | 11.45% | 11.20% | 10.39% | 10.52% | -69 bps | |
| Net Worth / Assets | 10.74% | 11.22% | 11.31% | 11.21% | 11.45% | 11.20% | 10.39% | 10.52% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.43% | 34.65% | 33.40% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |