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Parkway

Redford, MI · Charter 5420

NCUA · 1 branch

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Parkway

Redford, MI · Charter 5420

NCUA · 1 branch

Q4 2022

$25.0MAssets
$4.5MLoans
$22.4MShares
$1.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.30%, down 50 bps year over year; NIM at 1.79%.
  • Asset quality: problem loans at 2.68% of loans (+256 bps YoY).
  • Capital: net worth / assets of 7.57%, down 50 bps from a year ago.
  • Funding: loans stand at 20.28% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

-1.30%-50 bps YoY

Net Interest Margin (YTD, annualized)

1.79%+32 bps YoY

Efficiency Ratio (YTD, annualized)

143.27%+939 bps YoY

Net Worth / Assets

7.57%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-0.80%-3.99%-2.07%-1.49%-1.30%-50 bps
Return on Equity-9.87%-55.08%-28.66%-20.55%-17.17%-730 bps
Net Interest Margin1.48%1.35%1.44%1.60%1.79%+32 bps
Efficiency Ratio133.87%249%170.89%154.40%143.27%+939 bps
Growth
Asset Growth (YoY)2.57%-4.33%-6.22%-5.02%-9.00%-1,158 bps
Loan Growth (YoY)-20.27%-18.07%-23.00%-16.43%-11.38%+888 bps
Share Growth (YoY)3.94%-2.78%-5.81%-5.68%-10.56%-1,450 bps
Asset Quality
Delinquent Loans / Loans0.12%0.00%0.29%2.64%2.68%+256 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.74%4.18%4.01%4.03%4.12%+37 bps
Capital
Risk-Based Capital8.07%7.24%7.21%7.26%7.57%-50 bps
Net Worth / Assets8.07%7.24%7.21%7.26%7.57%-50 bps
Liquidity & Funding
Loans / Shares20.47%19.93%19.61%19.04%20.28%-19 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps