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 | |