Bluffton, IN · Charter 82753
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 | -2.38% | -2.35% | -3.63% | -6.91% | -4.74% | -4.65% | -11.52% | -6.91% | 0 bps | |
| Return on Equity | -13.44% | -12.07% | -15.69% | -29.06% | -39.26% | -24.90% | -142.71% | -30.48% | -143 bps | |
| Net Interest Margin | 1.41% | 2.23% | 5.62% | 2.46% | 5.88% | 6.06% | 1.79% | 2.46% | 0 bps | |
| Efficiency Ratio | 206% | 175.07% | 156.51% | 352% | 160.04% | 144.73% | 710% | 352% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.84% | -5.53% | -26.98% | -29.60% | -37.39% | -36.28% | -16.79% | 0.00% | +2,960 bps | |
| Loan Growth (YoY) | 62.18% | 63.27% | 46.01% | 6.63% | 6.59% | 5.33% | -4.03% | 0.00% | -663 bps | |
| Share Growth (YoY) | 6.37% | -4.91% | -29.82% | -32.60% | -40.58% | -35.20% | -9.93% | 0.00% | +3,260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.63% | 4.04% | 1.60% | 2.17% | 1.37% | 0.52% | 1.60% | 0 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 | 3.17% | 2.56% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.74% | 19.48% | 23.14% | 23.78% | 12.08% | 18.66% | 8.07% | 22.67% | -111 bps | |
| Net Worth / Assets | 17.74% | 19.48% | 23.14% | 23.78% | 12.08% | 18.66% | 8.07% | 22.67% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.51% | 24.49% | 29.41% | 29.70% | 36.79% | 39.81% | 31.33% | 29.70% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |