Hunt Valley, MD · Charter 6652
NCUA · 3 branches
Q4 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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.05% | -0.80% | -0.51% | -0.58% | -0.40% | -0.58% | -0.56% | -0.52% | +6 bps | |
| Return on Equity | -10.00% | -7.71% | -4.67% | -5.32% | -3.83% | -5.60% | -5.34% | -5.01% | +31 bps | |
| Net Interest Margin | 2.95% | 2.91% | 3.03% | 3.13% | 2.87% | 2.94% | 3.03% | 3.02% | -12 bps | |
| Efficiency Ratio | 95.99% | 97.99% | 99.01% | 100.01% | 111.93% | 110.04% | 107.06% | 105.35% | +533 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.77% | -3.24% | -4.96% | -3.52% | -4.33% | -4.14% | -1.63% | -0.41% | +311 bps | |
| Loan Growth (YoY) | -5.53% | -7.56% | -9.38% | -8.89% | -6.61% | -4.76% | -2.11% | -2.01% | +688 bps | |
| Share Growth (YoY) | -5.46% | -3.30% | -5.32% | -4.24% | -4.38% | -4.67% | -2.66% | -0.37% | +388 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 1.90% | 2.04% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.10% | 0.99% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.48% | 10.39% | 10.89% | 10.83% | 10.56% | 10.40% | 10.43% | 10.33% | -50 bps | |
| Net Worth / Assets | 10.48% | 10.39% | 10.89% | 10.83% | 10.56% | 10.40% | 10.43% | 10.33% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.53% | 67.02% | 68.10% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |