Portsmouth, OH · Charter 63340
NCUA · 1 branch
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
100
Profitability
66
Liquidity
91
Efficiency
64
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Portsmouth, OH · Charter 63340
NCUA · 1 branch
Q3 2024
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.27% | 0.56% | 0.61% | 0.71% | 0.72% | 0.72% | 0.81% | 0.87% | +16 bps | |
| Return on Equity | 11.85% | 5.21% | 5.31% | 6.05% | 6.04% | 6.11% | 6.76% | 7.06% | +101 bps | |
| Net Interest Margin | 4.55% | 4.73% | 4.91% | 4.90% | 4.79% | 4.34% | 4.33% | 4.35% | -55 bps | |
| Efficiency Ratio | 73.89% | 80.41% | 79.66% | 76.32% | 75.98% | 73.73% | 72.73% | 74.40% | -191 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.67% | 7.51% | -0.71% | -5.44% | -4.09% | -2.75% | 2.13% | 1.96% | +740 bps | |
| Loan Growth (YoY) | -1.17% | 4.84% | 5.30% | -3.45% | -6.36% | -6.77% | -5.80% | -10.62% | -717 bps | |
| Share Growth (YoY) | 2.50% | 6.90% | -1.97% | -6.93% | -5.35% | -3.80% | 1.45% | 1.34% | +827 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.00% | 0.00% | 0.54% | 1.82% | 0.00% | 0.00% | 0.00% | -54 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 | 1.19% | 1.33% | 1.22% | 1.49% | 1.67% | 0.87% | 0.99% | 1.11% | -38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.73% | 10.79% | 11.47% | 11.78% | 11.90% | 11.84% | 12.04% | 12.39% | +61 bps | |
| Net Worth / Assets | 10.73% | 10.79% | 11.47% | 11.78% | 11.90% | 11.84% | 12.04% | 12.39% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.02% | 83.25% | 89.47% | 85.13% | 83.12% | 80.68% | 83.08% | 75.08% | -1,005 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portsmouth, OH · Charter 63340 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
Return on Assets
0.88%
Rank 719 of 1,761
Net Interest Margin
4.38%
Rank 367 of 1,761
Efficiency Ratio
73.47%
Rank 641 of 1,754
Equity / Assets
12.42%
Rank 881 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.26% | 0.70% | 1.22% | Beats 59% | 719 / 1,761 | ||
| Return on Equity | 7.06% | 2.09% | 5.52% | 9.08% | Beats 61% | 694 / 1,761 | ||
| Net Interest Margin | 4.38% | 3.03% | 3.59% | 4.25% | Beats 79% | 367 / 1,761 | ||
| Efficiency Ratio | 73.47% | 68.95% | 77.94% | 87.14% | Beats 64% | 641 / 1,754 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.27% | Beats 100% | 134 / 1,757 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.39% | 10.05% | 12.42% | 15.87% | Beats 50% | 888 / 1,761 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.42% | 10.05% | 12.42% | 15.87% | Beats 50% | 881 / 1,761 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.08% | 56.21% | 73.13% | 85.64% | 53rd pctl | 818 / 1,759 | ||
| Loans / Assets | 65.74% | 47.85% | 62.48% | 73.19% | 57th pctl | 751 / 1,761 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||