Hunt Valley, MD · Charter 6652
NCUA · 3 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 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=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
13
Profitability
12
Liquidity
83
Efficiency
6
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.
Hunt Valley, MD · Charter 6652
NCUA · 3 branches
Q4 2024
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.58% | -0.40% | -0.58% | -0.56% | -0.52% | +6 bps | |
| Return on Equity | -5.32% | -3.83% | -5.60% | -5.34% | -5.01% | +31 bps | |
| Net Interest Margin | 3.13% | 2.87% | 2.94% | 3.03% | 3.02% | -12 bps | |
| Efficiency Ratio | 100.01% | 111.93% | 110.04% | 107.06% | 105.35% | +533 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.52% | -4.33% | -4.14% | -1.63% | -0.41% | +311 bps | |
| Loan Growth (YoY) | -8.89% | -6.61% | -4.76% | -2.11% | -2.01% | +688 bps | |
| Share Growth (YoY) | -4.24% | -4.38% | -4.67% | -2.66% | -0.37% | +388 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.87% | 1.55% | 1.30% | 1.45% | 2.15% | +28 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 | 10.83% | 10.56% | 10.40% | 10.43% | 10.33% | -50 bps | |
| Net Worth / Assets | 10.83% | 10.56% | 10.40% | 10.43% | 10.33% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.58% | 66.93% | 66.96% | 68.48% | 67.45% | -113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hunt Valley, MD · Charter 6652 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 3 branches
Q4 2024
Return on Assets
-0.52%
Rank 1,613 of 1,724
Net Interest Margin
3.02%
Rank 1,302 of 1,723
Efficiency Ratio
105.35%
Rank 1,623 of 1,721
Equity / Assets
10.33%
Rank 1,254 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.52% | 0.25% | 0.67% | 1.13% | Beats 6% | 1,613 / 1,724 | |
| Return on Equity | -5.01% | 1.95% | 5.34% | 8.54% | Beats 6% | 1,622 / 1,723 | |
| Net Interest Margin | 3.02% | 3.03% | 3.61% | 4.27% | Beats 24% | 1,302 / 1,723 | |
| Efficiency Ratio | 105.35% | 69.84% | 78.36% | 87.50% | Beats 6% | 1,623 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.15% | 0.28% | 0.70% | 1.38% | Beats 13% | 1,491 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.33% | 10.16% | 12.41% | 16.03% | Beats 27% | 1,257 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.33% | 10.15% | 12.41% | 16.03% | Beats 27% | 1,254 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.45% | 55.95% | 72.66% | 85.34% | 41st pctl | 1,019 / 1,722 | |
| Loans / Assets | 61.01% | 47.91% | 62.00% | 72.82% | 48th pctl | 899 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||