South Bend, IN · Charter 6261
NCUA · 1 branch
Q2 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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.09% | -0.36% | -0.05% | -0.22% | -0.44% | -0.91% | -1.15% | -109 bps | |
| Return on Equity | -0.33% | -0.72% | -3.28% | -0.48% | -2.13% | -4.25% | -9.32% | -11.99% | -1,151 bps | |
| Net Interest Margin | 2.69% | 2.36% | 1.79% | 1.75% | 1.66% | 1.62% | 1.34% | 1.38% | -37 bps | |
| Efficiency Ratio | 96.54% | 99.30% | 116.77% | 102.13% | 109.85% | 119.31% | 153.77% | 161.57% | +5,944 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.04% | 22.54% | 27.75% | 16.90% | 22.84% | 11.38% | 7.30% | 6.95% | -995 bps | |
| Loan Growth (YoY) | -3.04% | -7.67% | -8.97% | -10.90% | -15.43% | -17.64% | -12.04% | -9.80% | +110 bps | |
| Share Growth (YoY) | 16.63% | 26.66% | 32.58% | 19.55% | 26.12% | 13.10% | 8.35% | 8.48% | -1,107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 1.68% | 1.11% | 0.76% | 0.17% | 1.09% | 0.18% | 0.00% | -76 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 | 0.20% | 0.21% | 0.21% | 0.22% | 0.23% | 0.15% | 0.14% | 0.09% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.22% | 11.93% | 11.06% | 11.29% | 10.55% | 10.27% | 9.74% | 9.57% | -171 bps | |
| Net Worth / Assets | 13.22% | 11.93% | 11.06% | 11.29% | 10.55% | 10.27% | 9.74% | 9.57% | -171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.08% | 59.27% | 52.83% | 51.69% | 46.32% | 43.15% | 42.88% | 42.98% | -871 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |