Girard, OH · Charter 62518
NCUA · 1 branch
Q1 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | -0.13% | 0.34% | 1.01% | 5.94% | +540 bps | |
| Return on Equity | 4.12% | -0.96% | 2.55% | 6.85% | 36.85% | +3,273 bps | |
| Net Interest Margin | 3.63% | 2.57% | 2.72% | 2.78% | 3.06% | -56 bps | |
| Efficiency Ratio | 85.37% | 104.98% | 83.81% | 88.10% | 91.65% | +628 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.43% | -0.54% | -0.87% | -7.91% | -4.88% | -731 bps | |
| Loan Growth (YoY) | 4.34% | 7.37% | 12.12% | 18.52% | 22.11% | +1,777 bps | |
| Share Growth (YoY) | 9.54% | 3.40% | -0.39% | -10.16% | -9.49% | -1,903 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.08% | 3.18% | 4.16% | 3.29% | 3.14% | +206 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.48% | 4.59% | 5.11% | 3.86% | 2.07% | -341 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.17% | 13.77% | 13.26% | 14.68% | 16.13% | +295 bps | |
| Net Worth / Assets | 13.17% | 13.77% | 13.26% | 14.68% | 16.13% | +295 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.46% | 74.98% | 82.08% | 93.67% | 96.41% | +2,495 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |