Massillon, OH · Charter 63502
NCUA · 2 branches
Q4 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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.00% | 0.01% | 0.20% | -0.23% | -0.21% | -0.19% | -0.20% | -40 bps | |
| Return on Equity | 0.19% | 0.04% | 0.10% | 2.37% | -2.71% | -2.58% | -2.33% | -2.19% | -457 bps | |
| Net Interest Margin | 2.61% | 2.58% | 2.55% | 2.45% | 2.17% | 2.22% | 2.39% | 2.79% | +34 bps | |
| Efficiency Ratio | 97.46% | 98.68% | 98.59% | 93.70% | 107.86% | 106.91% | 105.79% | 105.22% | +1,152 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.85% | 8.86% | 7.44% | 8.92% | 3.07% | 4.99% | 3.50% | -10.60% | -1,952 bps | |
| Loan Growth (YoY) | -18.79% | -20.59% | -19.64% | -19.35% | -17.09% | -7.49% | 2.53% | 12.39% | +3,174 bps | |
| Share Growth (YoY) | 20.98% | 9.79% | 8.31% | 9.50% | 3.11% | 5.22% | 3.59% | -11.52% | -2,102 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.50% | 0.31% | 0.57% | 0.68% | 0.81% | 1.02% | 0.66% | +8 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 | 2.07% | 2.20% | 1.92% | 1.85% | 1.84% | 1.54% | 1.35% | 1.27% | -58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.60% | 8.63% | 8.67% | 8.47% | 8.48% | 8.19% | 8.31% | 9.14% | +67 bps | |
| Net Worth / Assets | 8.60% | 8.63% | 8.67% | 8.47% | 8.48% | 8.19% | 8.31% | 9.14% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.51% | 35.68% | 34.68% | 31.61% | 30.97% | 31.37% | 34.33% | 40.15% | +854 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |