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HTM Area

Troy, OH · Charter 68522

NCUA · 2 branches

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

HTM Area

Troy, OH · Charter 68522

NCUA · 2 branches

Q4 2022

$30.1MAssets
$8.5MLoans
$24.8MShares
$5.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.53%, up 71 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.03% of loans (-35 bps YoY).
  • Capital: net worth / assets of 16.59%, up 211 bps from a year ago.
  • Funding: loans stand at 34.21% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.53%+71 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+61 bps YoY

Efficiency Ratio (YTD, annualized)

98.71%-343 bps YoY

Net Worth / Assets

16.59%+211 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-1.24%-0.84%-0.60%-0.45%-0.53%+71 bps
Return on Equity-8.55%-5.96%-4.10%-2.97%-3.21%+534 bps
Net Interest Margin2.69%1.82%2.00%2.87%3.30%+61 bps
Efficiency Ratio102.14%131.98%120.59%107.75%98.71%-343 bps
Growth
Asset Growth (YoY)-5.31%1.70%-2.56%-4.91%-15.45%-1,014 bps
Loan Growth (YoY)-20.73%-26.45%-36.05%-36.96%-35.72%-1,498 bps
Share Growth (YoY)5.85%4.25%-2.50%-5.83%-16.42%-2,227 bps
Asset Quality
Delinquent Loans / Loans0.39%0.65%1.19%0.25%0.03%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.25%2.66%2.48%2.70%4.19%+195 bps
Capital
Risk-Based Capital14.48%14.04%14.60%15.15%16.59%+211 bps
Net Worth / Assets14.48%14.04%14.60%15.15%16.59%+211 bps
Liquidity & Funding
Loans / Shares44.49%37.49%34.84%33.70%34.21%-1,027 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps