South Bend, IN · Charter 6204
NCUA · 1 branch
Q4 2022
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 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.29% | 0.21% | 0.19% | -0.22% | -0.21% | 0.02% | -0.05% | -25 bps | |
| Return on Equity | 3.33% | 1.99% | 1.38% | 1.29% | -1.45% | -1.33% | 0.15% | -0.36% | -165 bps | |
| Net Interest Margin | 2.46% | 2.33% | 2.39% | 2.40% | 2.18% | 2.34% | 2.37% | 2.58% | +17 bps | |
| Efficiency Ratio | 83.90% | 89.99% | 93.17% | 93.65% | 107.75% | 106.99% | 99.26% | 100.17% | +653 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 27.28% | 15.13% | 12.91% | 6.40% | -1.12% | -5.68% | 1.28% | 0.36% | -603 bps | |
| Loan Growth (YoY) | 4.95% | 2.51% | -0.80% | -2.83% | -6.82% | -3.06% | 3.06% | 1.58% | +441 bps | |
| Share Growth (YoY) | 32.85% | 17.79% | 15.22% | 7.47% | -1.24% | -6.41% | 1.68% | 0.50% | -697 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 0.91% | 1.58% | 1.98% | 1.30% | 1.22% | 0.08% | 0.06% | -192 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 | 0.97% | 0.97% | 1.00% | 1.00% | 1.10% | 1.09% | 0.41% | 0.01% | -99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.77% | 14.59% | 14.91% | 15.00% | 14.95% | 15.42% | 14.77% | 14.89% | -11 bps | |
| Net Worth / Assets | 14.77% | 14.59% | 14.91% | 15.00% | 14.95% | 15.42% | 14.77% | 14.89% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.42% | 47.86% | 48.44% | 48.90% | 46.63% | 49.57% | 49.10% | 49.43% | +53 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |