Columbus, OH · Charter 7772
NCUA · 2 branches
Q3 2024
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.66% | 0.23% | 0.32% | -0.26% | -94 bps | |
| Return on Equity | 6.68% | 6.48% | 2.20% | 3.02% | -2.49% | -916 bps | |
| Net Interest Margin | 3.07% | 3.05% | 3.07% | 3.15% | 3.25% | +18 bps | |
| Efficiency Ratio | 81.74% | 81.24% | 93.69% | 89.64% | 103.82% | +2,208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.02% | -2.02% | -2.07% | -3.67% | -3.63% | -161 bps | |
| Loan Growth (YoY) | 8.07% | 11.71% | 9.90% | 8.94% | 7.25% | -82 bps | |
| Share Growth (YoY) | -1.96% | -1.45% | -2.05% | -3.79% | -4.61% | -265 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.07% | 0.64% | 0.18% | 0.40% | +33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.15% | 10.25% | 10.44% | 10.66% | 10.50% | +35 bps | |
| Net Worth / Assets | 10.15% | 10.25% | 10.44% | 10.66% | 10.50% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.98% | 46.38% | 46.79% | 48.80% | 50.57% | +559 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |