Dillonvale, OH · Charter 552
NCUA · 1 branch
Q1 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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.66% | 2.26% | 0.86% | 0.54% | -2.20% | -154 bps | |
| Return on Equity | -4.16% | 13.33% | 5.28% | 3.44% | -13.82% | -966 bps | |
| Net Interest Margin | 2.28% | 2.11% | 2.04% | 2.09% | 1.86% | -43 bps | |
| Efficiency Ratio | 127.34% | 139.86% | 156.77% | 143.92% | 213% | +8,524 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 35.61% | 26.49% | 24.43% | 23.89% | 0.45% | -3,517 bps | |
| Loan Growth (YoY) | -24.58% | -27.59% | -26.07% | -16.55% | -19.41% | +516 bps | |
| Share Growth (YoY) | 47.33% | 32.09% | 29.82% | 28.58% | 0.36% | -4,697 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 1.55% | 0.00% | 2.27% | 3.77% | +233 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.13% | 2.84% | 1.35% | 1.36% | 1.48% | -765 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.78% | 16.93% | 16.37% | 15.68% | 15.89% | +11 bps | |
| Net Worth / Assets | 15.78% | 16.93% | 16.37% | 15.68% | 15.89% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.91% | 26.76% | 25.37% | 23.95% | 23.21% | -570 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |