Muncie, IN · Charter 82785
NCUA · 1 branch
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.66% | 0.37% | 0.09% | 0.54% | -0.09% | 0.11% | 0.09% | 0.47% | -7 bps | |
| Return on Equity | 6.67% | 1.57% | 0.38% | 2.32% | -0.38% | 0.46% | 0.38% | 1.81% | -51 bps | |
| Net Interest Margin | 8.25% | 6.98% | 6.42% | 6.50% | 5.19% | 5.22% | 5.30% | 5.87% | -63 bps | |
| Efficiency Ratio | 80.42% | 94.80% | 98.65% | 91.79% | 101.71% | 97.92% | 98.26% | 92.06% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.12% | -1.16% | 7.01% | 5.78% | 0.40% | -4.35% | -6.50% | -10.89% | -1,666 bps | |
| Loan Growth (YoY) | -5.96% | -12.49% | -14.96% | -26.18% | -22.96% | -17.87% | -18.64% | -10.14% | +1,604 bps | |
| Share Growth (YoY) | -1.74% | -0.85% | 10.62% | 7.66% | 1.12% | -5.52% | -8.48% | -14.19% | -2,185 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.89% | 3.88% | 6.09% | 6.69% | 6.58% | 5.69% | 5.64% | 5.26% | -143 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 | 11.82% | 12.40% | 13.39% | 14.80% | 15.34% | 14.75% | 16.07% | 16.09% | +129 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.84% | 23.53% | 23.26% | 23.23% | 24.30% | 24.47% | 24.88% | 26.08% | +285 bps | |
| Net Worth / Assets | 24.84% | 23.53% | 23.26% | 23.23% | 24.30% | 24.47% | 24.88% | 26.08% | +285 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.14% | 57.42% | 52.67% | 47.69% | 48.87% | 49.92% | 46.82% | 49.94% | +225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |