Whitesburg, KY · Charter 62303
NCUA · 1 branch
Q3 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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 39.43% | 0.17% | 0.17% | 0.41% | 0.40% | -0.07% | -0.06% | -23 bps | |
| Return on Equity | 0.12% | 187.65% | 0.82% | 0.89% | 1.95% | 1.91% | -0.34% | -0.29% | -118 bps | |
| Net Interest Margin | 5.35% | 43.82% | 4.49% | 3.99% | 4.01% | 4.75% | 4.17% | 3.39% | -60 bps | |
| Efficiency Ratio | 99.53% | 10.33% | 96.45% | 95.80% | 90.23% | 92.18% | 101.57% | 118.72% | +2,292 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.86% | 10.12% | 7.77% | 4.60% | 8.28% | 3.07% | -0.06% | 1.38% | -322 bps | |
| Loan Growth (YoY) | 8.09% | -15.28% | -19.26% | -15.43% | -23.17% | -25.49% | -30.56% | -39.23% | -2,380 bps | |
| Share Growth (YoY) | 6.22% | 13.66% | 10.22% | 6.59% | 10.39% | 3.53% | -0.76% | 1.35% | -524 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.29% | 2.58% | 0.48% | +48 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 | 1.65% | 1.82% | 2.42% | 2.55% | 2.76% | 3.33% | 1.93% | 2.43% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.35% | 21.01% | 20.19% | 19.65% | 21.09% | 20.77% | 20.75% | 19.68% | +2 bps | |
| Net Worth / Assets | 22.35% | 21.01% | 20.19% | 19.65% | 21.09% | 20.77% | 20.75% | 19.68% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.24% | 54.67% | 49.55% | 47.76% | 47.50% | 39.35% | 34.67% | 28.64% | -1,912 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |