Logan, WV · Charter 6239
NCUA · 1 branch
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.35% | 4.13% | 2.63% | 2.75% | 2.11% | 6.11% | 3.33% | 1.13% | -162 bps | |
| Return on Equity | 18.99% | 31.81% | 18.94% | 18.64% | 14.80% | 39.56% | 21.15% | 7.47% | -1,117 bps | |
| Net Interest Margin | 8.06% | 9.66% | 7.87% | 9.43% | 9.08% | 9.28% | 6.29% | 5.73% | -370 bps | |
| Efficiency Ratio | 71.08% | 57.39% | 66.74% | 70.92% | 76.94% | 34.16% | 47.14% | 80.22% | +930 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.06% | 1.74% | -6.69% | -12.19% | 2.04% | 0.88% | 3.26% | 4.30% | +1,648 bps | |
| Loan Growth (YoY) | 9.81% | 17.28% | -3.84% | 1.25% | 0.65% | -2.72% | -2.96% | -3.05% | -430 bps | |
| Share Growth (YoY) | 16.15% | 3.31% | -10.32% | -15.93% | -5.12% | -6.57% | -4.53% | -4.89% | +1,105 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.29% | 0.51% | 0.50% | 3.75% | 0.79% | 0.82% | 59.96% | +5,946 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 | 7.29% | 7.33% | 7.51% | 7.75% | 7.26% | 7.55% | 7.75% | 8.00% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.38% | 12.99% | 13.87% | 14.78% | 14.28% | 15.44% | 15.73% | 15.15% | +38 bps | |
| Net Worth / Assets | 12.38% | 12.99% | 13.87% | 14.78% | 14.28% | 15.44% | 15.73% | 15.15% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 114.99% | 111.06% | 114.49% | 113.76% | 121.98% | 115.64% | 116.37% | 115.95% | +219 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |