Cumberland, MD · Charter 9445
NCUA · 3 branches
Q4 2022
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | -0.82% | -1.11% | -1.18% | -1.68% | -188 bps | |
| Return on Equity | 1.98% | -8.32% | -11.50% | -11.99% | -18.63% | -2,061 bps | |
| Net Interest Margin | 3.33% | 3.07% | 3.12% | 3.26% | 3.30% | -4 bps | |
| Efficiency Ratio | 95.17% | 104.63% | 96.57% | 98.44% | 113.04% | +1,787 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.21% | -3.14% | -2.56% | -4.48% | -1.26% | -147 bps | |
| Loan Growth (YoY) | 1.19% | -5.22% | -13.15% | -8.20% | 9.37% | +818 bps | |
| Share Growth (YoY) | 0.43% | -1.07% | -0.36% | -3.80% | -2.96% | -339 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.11% | 0.90% | 0.59% | 0.21% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.87% | 1.41% | 1.57% | 1.40% | +72 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.30% | 9.89% | 9.64% | 9.82% | 9.01% | -129 bps | |
| Net Worth / Assets | 10.30% | 9.89% | 9.64% | 9.82% | 9.01% | -129 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.74% | 59.69% | 57.43% | 63.97% | 75.23% | +848 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |