Bethesda, MD · Charter 8680
NCUA · 1 branch
Q4 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.57% | -0.51% | -0.41% | -0.43% | -0.35% | +22 bps | |
| Return on Equity | -5.70% | -5.44% | -4.27% | -4.42% | -3.71% | +199 bps | |
| Net Interest Margin | 2.27% | 2.04% | 2.11% | 2.20% | 2.22% | -4 bps | |
| Efficiency Ratio | 115.61% | 113.25% | 113.23% | 111.37% | 107.31% | -830 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.27% | 2.55% | 3.22% | 1.55% | 1.89% | +316 bps | |
| Loan Growth (YoY) | -9.58% | -5.51% | 1.99% | 10.16% | 10.47% | +2,005 bps | |
| Share Growth (YoY) | 0.29% | 3.39% | 5.94% | 2.72% | 0.86% | +57 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.62% | 0.38% | 0.52% | 0.62% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 1.94% | 1.66% | 1.60% | 1.60% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.07% | 9.45% | 9.53% | 9.62% | 9.53% | -54 bps | |
| Net Worth / Assets | 10.07% | 9.45% | 9.53% | 9.62% | 9.53% | -54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.95% | 43.02% | 44.47% | 48.95% | 50.32% | +438 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |