Troy, OH · Charter 68522
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 | -1.63% | -0.50% | -1.66% | -1.24% | -0.84% | -0.60% | -0.45% | -0.53% | +71 bps | |
| Return on Equity | -10.62% | -3.24% | -11.25% | -8.55% | -5.96% | -4.10% | -2.97% | -3.21% | +534 bps | |
| Net Interest Margin | 2.55% | 2.89% | 2.84% | 2.69% | 1.82% | 2.00% | 2.87% | 3.30% | +61 bps | |
| Efficiency Ratio | 143.13% | 111.60% | 106.52% | 102.14% | 131.98% | 120.59% | 107.75% | 98.71% | -343 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.87% | 14.60% | 8.68% | -5.31% | 1.70% | -2.56% | -4.91% | -15.45% | -1,014 bps | |
| Loan Growth (YoY) | -11.11% | -8.50% | -13.17% | -20.73% | -26.45% | -36.05% | -36.96% | -35.72% | -1,498 bps | |
| Share Growth (YoY) | 22.89% | 17.68% | 10.86% | 5.85% | 4.25% | -2.50% | -5.83% | -16.42% | -2,227 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.75% | 2.35% | 0.66% | 0.39% | 0.65% | 1.19% | 0.25% | 0.03% | -35 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 | 1.16% | 1.12% | 2.08% | 2.25% | 2.66% | 2.48% | 2.70% | 4.19% | +195 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.33% | 15.51% | 14.75% | 14.48% | 14.04% | 14.60% | 15.15% | 16.59% | +211 bps | |
| Net Worth / Assets | 15.33% | 15.51% | 14.75% | 14.48% | 14.04% | 14.60% | 15.15% | 16.59% | +211 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.14% | 53.12% | 50.35% | 44.49% | 37.49% | 34.84% | 33.70% | 34.21% | -1,027 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |