Akron, OH · Charter 96656
NCUA · 1 branch
Q3 2023
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.35% | 0.78% | 1.07% | 0.64% | +48 bps | |
| Return on Equity | 2.80% | 5.96% | 12.54% | 15.74% | 8.86% | +606 bps | |
| Net Interest Margin | 2.53% | 2.69% | 3.41% | 3.69% | 3.93% | +140 bps | |
| Efficiency Ratio | 95.37% | 89.93% | 82.05% | 76.62% | 86.95% | -842 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.86% | -0.45% | -5.84% | -9.76% | -12.54% | -1,068 bps | |
| Loan Growth (YoY) | 9.65% | 18.09% | 19.78% | 19.01% | 16.12% | +647 bps | |
| Share Growth (YoY) | -2.23% | -1.13% | -6.80% | -11.20% | -11.06% | -882 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.19% | 0.46% | 0.34% | 0.10% | 0.02% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.50% | 0.00% | 0.00% | 0.00% | -52 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.64% | 5.84% | 6.18% | 6.79% | 7.22% | +158 bps | |
| Net Worth / Assets | 5.64% | 5.84% | 6.18% | 6.79% | 7.22% | +158 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.81% | 56.73% | 59.13% | 63.76% | 70.25% | +1,644 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |