Indianapolis, IN · Charter 60251
NCUA · 2 branches
Q4 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.61% | 2.17% | 0.77% | 0.72% | 0.18% | -1.86% | -3.02% | -8.35% | -907 bps | |
| Return on Equity | 22.14% | 17.03% | 6.17% | 5.54% | 1.42% | -15.27% | -27.81% | -185.72% | -19,126 bps | |
| Net Interest Margin | 4.45% | 4.74% | 5.12% | 5.31% | 5.07% | 5.31% | 5.32% | 5.50% | +19 bps | |
| Efficiency Ratio | 69.23% | 72.29% | 79.67% | 76.33% | 81.46% | 87.94% | 90.77% | 149.97% | +7,365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.73% | -4.63% | -4.76% | -4.68% | -8.71% | -5.82% | -3.50% | -5.41% | -73 bps | |
| Loan Growth (YoY) | 0.83% | 10.08% | 25.35% | 25.68% | 18.61% | 17.65% | 0.00% | -3.13% | -2,881 bps | |
| Share Growth (YoY) | -7.28% | -6.22% | -4.65% | -1.14% | -3.37% | -0.29% | 3.58% | 1.36% | +249 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 2.49% | 2.97% | 4.10% | 3.42% | 3.01% | 2.72% | 1.95% | -215 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 | 1.74% | 1.81% | 2.00% | 2.33% | 0.00% | 0.00% | 0.00% | 0.00% | -233 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.78% | 12.73% | 12.55% | 12.95% | 12.95% | 12.16% | 10.86% | 4.50% | -846 bps | |
| Net Worth / Assets | 11.78% | 12.73% | 12.55% | 12.95% | 12.95% | 12.16% | 10.86% | 4.50% | -846 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.27% | 89.49% | 103.14% | 102.20% | 96.07% | 105.60% | 99.57% | 97.68% | -452 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |