Middletown, OH · Charter 63446
NCUA · 3 branches
Q1 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.50% | 0.70% | 0.72% | 0.75% | +16 bps | |
| Return on Equity | 5.54% | 4.75% | 6.21% | 6.48% | 6.41% | +87 bps | |
| Net Interest Margin | 4.23% | 4.24% | 4.38% | 4.28% | 4.26% | +3 bps | |
| Efficiency Ratio | 81.51% | 84.64% | 82.03% | 81.59% | 83.21% | +171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.46% | -1.58% | -3.86% | 1.96% | -3.01% | +245 bps | |
| Loan Growth (YoY) | -7.04% | -0.47% | 2.53% | 1.72% | 0.80% | +784 bps | |
| Share Growth (YoY) | -6.37% | -4.51% | -4.75% | 2.05% | -3.99% | +238 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 1.04% | 0.48% | 0.95% | 0.40% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.53% | 10.54% | 11.21% | 11.16% | 11.65% | +113 bps | |
| Net Worth / Assets | 10.53% | 10.54% | 11.21% | 11.16% | 11.65% | +113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.04% | 50.85% | 52.20% | 51.57% | 51.49% | +245 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |