Akron, OH · Charter 96656
NCUA · 1 branch
Q3 2023
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 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | 0.00% | 0.11% | 0.16% | 0.35% | 0.78% | 1.07% | 0.64% | +48 bps | |
| Return on Equity | -1.56% | -0.05% | 2.05% | 2.80% | 5.96% | 12.54% | 15.74% | 8.86% | +606 bps | |
| Net Interest Margin | 2.16% | 2.17% | 2.27% | 2.53% | 2.69% | 3.41% | 3.69% | 3.93% | +140 bps | |
| Efficiency Ratio | 100.64% | 100.55% | 97.00% | 95.37% | 89.93% | 82.05% | 76.62% | 86.95% | -842 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.02% | 4.92% | 4.01% | -1.86% | -0.45% | -5.84% | -9.76% | -12.54% | -1,068 bps | |
| Loan Growth (YoY) | 3.37% | 4.17% | 3.14% | 9.65% | 18.09% | 19.78% | 19.01% | 16.12% | +647 bps | |
| Share Growth (YoY) | 16.59% | 5.56% | 4.55% | -2.23% | -1.13% | -6.80% | -11.20% | -11.06% | -882 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.56% | 0.54% | 0.52% | 0.50% | 0.00% | 0.00% | 0.00% | -52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.46% | 5.28% | 5.35% | 5.64% | 5.84% | 6.18% | 6.79% | 7.22% | +158 bps | |
| Net Worth / Assets | 5.46% | 5.28% | 5.35% | 5.64% | 5.84% | 6.18% | 6.79% | 7.22% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.50% | 46.01% | 47.57% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |