Hagerstown, IN · Charter 82792
NCUA · 3 branches
Q3 2020
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.06% | 0.28% | 0.39% | 0.47% | 0.41% | 0.18% | 0.33% | -6 bps | |
| Return on Equity | 2.76% | 0.53% | 2.58% | 3.43% | 4.09% | 3.63% | 1.78% | 3.18% | -24 bps | |
| Net Interest Margin | 3.46% | 3.47% | 3.56% | 3.68% | 3.69% | 3.58% | 3.28% | 3.23% | -45 bps | |
| Efficiency Ratio | 89.02% | 91.49% | 89.85% | 89.08% | 87.60% | 89.83% | 93.36% | 90.01% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.14% | -0.29% | -0.05% | -0.38% | -1.16% | -0.83% | 9.71% | 13.93% | +1,431 bps | |
| Loan Growth (YoY) | -0.91% | -1.13% | -3.74% | -2.02% | -1.72% | -0.71% | -0.65% | -3.78% | -175 bps | |
| Share Growth (YoY) | -0.41% | -0.97% | -1.01% | -2.65% | -2.50% | -2.43% | 9.40% | 15.32% | +1,797 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.48% | 1.08% | 0.90% | 1.41% | 1.61% | 1.35% | 0.97% | 0.89% | -52 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 | 0.40% | 0.47% | 0.48% | 0.46% | 0.45% | 0.49% | 0.47% | 0.46% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.86% | 10.61% | 10.92% | 11.32% | 11.46% | 11.24% | 10.34% | 10.34% | -98 bps | |
| Net Worth / Assets | 10.86% | 10.61% | 10.92% | 11.32% | 11.46% | 11.24% | 10.34% | 10.34% | -98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.07% | 61.01% | 61.46% | 65.04% | 64.59% | 62.09% | 55.81% | 54.27% | -1,077 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |