Edgewood, KY · Charter 62587
NCUA · 4 branches
Q4 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | 0.32% | 0.38% | 0.36% | 0.26% | 0.14% | 0.05% | 0.08% | -28 bps | |
| Return on Equity | -2.15% | 3.05% | 3.42% | 3.26% | 2.41% | 1.42% | 0.47% | 0.79% | -246 bps | |
| Net Interest Margin | 3.15% | 3.11% | 3.24% | 3.19% | 2.91% | 2.50% | 2.41% | 2.29% | -90 bps | |
| Efficiency Ratio | 86.96% | 82.84% | 83.00% | 86.94% | 98.57% | 98.41% | 95.68% | 94.98% | +805 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.64% | 6.10% | 4.72% | 7.12% | 2.02% | 9.86% | 12.57% | 11.93% | +481 bps | |
| Loan Growth (YoY) | -2.63% | -10.58% | 0.84% | -0.36% | -0.62% | 0.38% | -13.93% | -11.01% | -1,065 bps | |
| Share Growth (YoY) | 2.57% | 6.24% | 4.88% | 7.51% | 1.73% | 10.94% | 14.18% | 13.72% | +622 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.54% | 0.84% | 1.43% | 2.63% | 1.89% | 0.73% | 0.92% | -51 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 | 0.82% | 0.85% | 0.93% | 0.73% | 0.50% | 0.50% | 0.64% | 0.66% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.53% | 10.50% | 11.00% | 10.95% | 10.79% | 9.80% | 9.88% | 9.86% | -109 bps | |
| Net Worth / Assets | 10.53% | 10.50% | 11.00% | 10.95% | 10.79% | 9.80% | 9.88% | 9.86% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.44% | 26.79% | 32.03% | 30.82% | 28.76% | 24.24% | 24.15% | 24.12% | -670 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |