Springfield, OH · Charter 7022
NCUA · 2 branches
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 | 0.28% | -0.05% | -0.18% | -0.21% | -0.38% | -0.30% | -2.19% | -8.00% | -780 bps | |
| Return on Equity | 1.98% | -0.34% | -1.30% | -1.39% | -2.48% | -1.93% | -13.86% | -55.98% | -5,458 bps | |
| Net Interest Margin | 3.01% | 3.00% | 3.05% | 2.87% | 3.07% | 3.24% | 3.47% | 4.33% | +146 bps | |
| Efficiency Ratio | 97.23% | 104.62% | 96.57% | 106.34% | 111.91% | 108.77% | 135.30% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.61% | 1.11% | 2.79% | -3.02% | -7.28% | -9.42% | -15.16% | -19.83% | -1,681 bps | |
| Loan Growth (YoY) | -7.18% | -1.82% | 6.72% | 7.82% | 5.44% | 0.43% | -8.50% | -6.57% | -1,439 bps | |
| Share Growth (YoY) | 4.22% | 1.29% | -1.48% | -8.47% | -13.11% | -17.95% | -19.63% | -14.18% | -570 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.12% | 0.00% | 0.00% | 0.00% | 1.29% | 0.73% | 3.02% | +302 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 | -0.15% | -0.12% | 0.09% | 0.03% | 0.07% | 0.09% | 0.19% | 0.18% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.42% | 14.23% | 14.06% | 14.74% | 15.16% | 15.41% | 15.77% | 14.30% | -44 bps | |
| Net Worth / Assets | 14.42% | 14.23% | 14.06% | 14.74% | 15.16% | 15.41% | 15.77% | 14.30% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.57% | 60.07% | 66.28% | 72.63% | 72.28% | 73.52% | 75.44% | 79.06% | +644 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |