Dayton, OH · Charter 68542
NCUA · 1 branch
Q2 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2024, the quarter ended June 30, 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=1,748 to 1,753). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
75
Profitability
42
Liquidity
94
Efficiency
41
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.
Dayton, OH · Charter 68542
NCUA · 1 branch
Q2 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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.51% | 0.57% | 0.73% | 0.68% | 0.72% | 0.44% | 0.49% | -24 bps | |
| Return on Equity | 4.93% | 5.20% | 5.59% | 6.77% | 6.03% | 6.48% | 3.84% | 4.23% | -253 bps | |
| Net Interest Margin | 2.85% | 2.89% | 3.20% | 3.23% | 3.33% | 3.26% | 3.48% | 3.42% | +19 bps | |
| Efficiency Ratio | 83.37% | 82.82% | 84.18% | 83.85% | 82.84% | 82.61% | 80.60% | 81.99% | -186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.13% | 3.30% | -3.25% | -8.74% | -6.91% | -5.55% | -4.94% | -1.11% | +763 bps | |
| Loan Growth (YoY) | 6.66% | 6.30% | 5.77% | 4.41% | 0.13% | -1.92% | -3.05% | -6.69% | -1,110 bps | |
| Share Growth (YoY) | 0.66% | 3.00% | -4.30% | -10.13% | -8.59% | -7.08% | -5.95% | -1.66% | +847 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.16% | 0.11% | 0.22% | 0.27% | 0.05% | 0.13% | 0.21% | -1 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 | 0.89% | 0.83% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.79% | 9.83% | 10.27% | 10.75% | 11.24% | 11.16% | 11.50% | 11.47% | +72 bps | |
| Net Worth / Assets | 9.79% | 9.83% | 10.27% | 10.75% | 11.24% | 11.16% | 11.50% | 11.47% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.33% | 75.18% | 76.01% | 78.33% | 82.51% | 79.35% | 78.36% | 74.33% | -400 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dayton, OH · Charter 68542 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 1 branch
Q2 2024
Return on Assets
0.49%
Rank 1,063 of 1,753
Net Interest Margin
3.42%
Rank 970 of 1,752
Efficiency Ratio
81.97%
Rank 1,028 of 1,748
Equity / Assets
11.47%
Rank 998 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.49% | 0.23% | 0.68% | 1.19% | Beats 39% | 1,063 / 1,753 | n/a | |
| Return on Equity | 4.24% | 1.80% | 5.29% | 9.05% | Beats 42% | 1,012 / 1,750 | n/a | |
| Net Interest Margin | 3.42% | 2.98% | 3.54% | 4.20% | Beats 45% | 970 / 1,752 | n/a | |
| Efficiency Ratio | 81.97% | 69.58% | 78.86% | 88.33% | Beats 41% | 1,028 / 1,748 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.22% | 0.59% | 1.20% | Beats 75% | 431 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.47% | 9.91% | 12.21% | 15.57% | Beats 43% | 999 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.47% | 9.91% | 12.21% | 15.57% | Beats 43% | 998 / 1,752 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.33% | 55.88% | 73.01% | 86.61% | 52nd pctl | 836 / 1,750 | n/a | |
| Loans / Assets | 65.49% | 48.21% | 62.51% | 73.23% | 56th pctl | 771 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||