Dayton, OH · Charter 61001
NCUA · 3 branches
Q1 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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.45% | 0.40% | 0.16% | 0.41% | 0.43% | 0.44% | 0.73% | +57 bps | |
| Return on Equity | 5.63% | 5.53% | 5.04% | 2.15% | 5.19% | 5.45% | 5.30% | 8.91% | +676 bps | |
| Net Interest Margin | 2.23% | 2.32% | 2.27% | 2.10% | 2.28% | 2.33% | 2.56% | 3.35% | +125 bps | |
| Efficiency Ratio | 87.01% | 87.35% | 87.92% | 93.83% | 88.46% | 88.12% | 88.43% | 80.84% | -1,300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.99% | 16.16% | 9.21% | 8.11% | 3.59% | 8.87% | 1.59% | -2.71% | -1,082 bps | |
| Loan Growth (YoY) | 9.56% | 8.38% | 5.22% | 5.69% | 5.50% | 12.11% | 17.00% | 17.13% | +1,144 bps | |
| Share Growth (YoY) | 20.60% | 16.52% | 10.03% | 7.67% | 3.68% | 8.82% | 0.60% | -2.92% | -1,059 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.24% | 0.51% | 0.42% | 0.24% | 0.49% | 0.34% | 0.41% | -1 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 | 0.24% | 0.23% | 0.28% | 0.28% | 0.22% | 0.21% | 0.14% | 0.21% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.80% | 8.10% | 7.94% | 7.46% | 7.91% | 7.83% | 8.25% | 8.24% | +78 bps | |
| Net Worth / Assets | 7.80% | 8.10% | 7.94% | 7.46% | 7.91% | 7.83% | 8.25% | 8.24% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.47% | 53.52% | 52.09% | 49.54% | 53.39% | 55.14% | 60.58% | 59.77% | +1,023 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |