Girard, OH · Charter 62518
NCUA · 1 branch
Q1 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | -4.65% | -4.02% | 0.54% | -0.13% | 0.34% | 1.01% | 5.94% | +540 bps | |
| Return on Equity | 0.45% | -34.02% | -31.89% | 4.12% | -0.96% | 2.55% | 6.85% | 36.85% | +3,273 bps | |
| Net Interest Margin | 2.32% | 2.35% | 2.28% | 3.63% | 2.57% | 2.72% | 2.78% | 3.06% | -56 bps | |
| Efficiency Ratio | 94.05% | 104.76% | 110.70% | 85.37% | 104.98% | 83.81% | 88.10% | 91.65% | +628 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.30% | 8.84% | 6.16% | 2.43% | -0.54% | -0.87% | -7.91% | -4.88% | -731 bps | |
| Loan Growth (YoY) | -5.11% | 0.23% | 0.23% | 4.34% | 7.37% | 12.12% | 18.52% | 22.11% | +1,777 bps | |
| Share Growth (YoY) | 12.59% | 15.55% | 12.22% | 9.54% | 3.40% | -0.39% | -10.16% | -9.49% | -1,903 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.73% | 5.82% | 7.87% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.99% | 8.30% | 8.60% | 5.48% | 4.59% | 5.11% | 3.86% | 2.07% | -341 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.07% | 13.66% | 12.59% | 13.17% | 13.77% | 13.26% | 14.68% | 16.13% | +295 bps | |
| Net Worth / Assets | 17.07% | 13.66% | 12.59% | 13.17% | 13.77% | 13.26% | 14.68% | 16.13% | +295 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.20% | 72.92% | 71.01% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |