Louisville, KY · Charter 68644
NCUA · 16 branches
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.09% | 0.19% | 0.15% | 0.19% | 0.69% | 0.80% | 0.90% | +75 bps | |
| Return on Equity | 4.87% | 0.98% | 2.11% | 1.63% | 2.02% | 7.55% | 8.50% | 9.41% | +778 bps | |
| Net Interest Margin | 3.24% | 3.02% | 2.81% | 2.82% | 2.74% | 2.68% | 2.71% | 2.68% | -14 bps | |
| Efficiency Ratio | 80.58% | 84.76% | 84.85% | 85.31% | 84.63% | 82.77% | 80.67% | 78.62% | -670 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.45% | 8.39% | 14.51% | 13.23% | 15.03% | 13.19% | 7.78% | 9.13% | -410 bps | |
| Loan Growth (YoY) | 8.93% | 5.15% | 0.34% | 0.65% | -0.93% | -4.19% | -3.57% | -6.83% | -748 bps | |
| Share Growth (YoY) | 9.54% | 11.03% | 18.17% | 18.66% | 19.54% | 16.49% | 9.64% | 10.09% | -857 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.76% | 0.58% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.67% | 0.73% | 0.85% | 0.92% | 0.87% | 0.83% | 0.82% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.09% | 9.60% | 9.15% | 9.21% | 9.41% | 9.16% | 9.38% | 9.58% | +37 bps | |
| Net Worth / Assets | 10.09% | 9.60% | 9.15% | 9.21% | 9.41% | 9.16% | 9.38% | 9.58% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.75% | 92.11% | 84.54% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |