Louisville, KY · Charter 68644
NCUA · 16 branches
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Louisville, KY · Charter 68644
NCUA · 16 branches
Q3 2021
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.19% | 0.69% | 0.80% | 0.90% | +75 bps | |
| Return on Equity | 1.63% | 2.02% | 7.55% | 8.50% | 9.41% | +778 bps | |
| Net Interest Margin | 2.82% | 2.74% | 2.68% | 2.71% | 2.68% | -14 bps | |
| Efficiency Ratio | 85.31% | 84.63% | 82.77% | 80.67% | 78.62% | -670 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.23% | 15.03% | 13.19% | 7.78% | 9.13% | -410 bps | |
| Loan Growth (YoY) | 0.65% | -0.93% | -4.19% | -3.57% | -6.83% | -748 bps | |
| Share Growth (YoY) | 18.66% | 19.54% | 16.49% | 9.64% | 10.09% | -857 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.48% | 0.48% | 0.40% | 0.43% | -15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.92% | 0.87% | 0.83% | 0.82% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.21% | 9.41% | 9.16% | 9.38% | 9.58% | +37 bps | |
| Net Worth / Assets | 9.21% | 9.41% | 9.16% | 9.38% | 9.58% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.46% | 81.01% | 75.76% | 74.35% | 72.32% | -1,313 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |