South Euclid, OH · Charter 5089
NCUA · 1 branch
Q2 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | 0.03% | -0.30% | 0.28% | 0.23% | +26 bps | |
| Return on Equity | -0.30% | 0.30% | -3.37% | 3.00% | 2.45% | +275 bps | |
| Net Interest Margin | 2.12% | 2.10% | 2.19% | 2.61% | 2.69% | +57 bps | |
| Efficiency Ratio | 98.42% | 94.06% | 94.42% | 86.85% | 88.48% | -994 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.07% | 9.19% | 5.21% | 1.49% | -3.22% | -729 bps | |
| Loan Growth (YoY) | -0.96% | 10.80% | 18.15% | 25.70% | 21.77% | +2,273 bps | |
| Share Growth (YoY) | 4.55% | 10.24% | 5.77% | 1.60% | -3.69% | -824 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.52% | 0.90% | 0.86% | 1.27% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 0.96% | 0.97% | 0.00% | 0.00% | 0.00% | -96 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.06% | 8.82% | 9.03% | 9.30% | 9.52% | +46 bps | |
| Net Worth / Assets | 9.06% | 8.82% | 9.03% | 9.30% | 9.52% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.62% | 56.64% | 60.37% | 64.58% | 66.53% | +1,391 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |