Cleveland, OH · Charter 96682
NCUA · 2 branches
Q4 2022
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.10% | 0.10% | 0.02% | -0.56% | -0.64% | -0.46% | -0.65% | -67 bps | |
| Return on Equity | 1.24% | 0.85% | 0.77% | 0.17% | -4.67% | -5.56% | -3.92% | -5.71% | -588 bps | |
| Net Interest Margin | 3.23% | 3.19% | 3.27% | 3.26% | 3.00% | 3.00% | 3.10% | 3.18% | -8 bps | |
| Efficiency Ratio | 97.16% | 98.06% | 98.24% | 97.77% | 108.67% | 105.75% | 101.59% | 103.62% | +585 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.62% | 9.34% | 6.94% | 4.44% | -0.95% | 0.33% | 2.31% | 2.38% | -205 bps | |
| Loan Growth (YoY) | -18.19% | -15.58% | -13.07% | -10.37% | -4.92% | 4.70% | 14.86% | 26.95% | +3,732 bps | |
| Share Growth (YoY) | 23.90% | 10.45% | 17.71% | 5.11% | 4.16% | -2.56% | -4.23% | -1.61% | -672 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 0.75% | 1.10% | 1.05% | 1.44% | 1.18% | 0.90% | 0.58% | -47 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 | 1.50% | 1.33% | 1.26% | 1.19% | 1.12% | 1.01% | 1.00% | 0.98% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.07% | 11.98% | 12.36% | 12.29% | 12.03% | 11.59% | 11.69% | 11.36% | -93 bps | |
| Net Worth / Assets | 12.07% | 11.98% | 12.36% | 12.29% | 12.03% | 11.59% | 11.69% | 11.36% | -93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.81% | 48.99% | 45.83% | 48.85% | 46.38% | 52.64% | 54.97% | 63.04% | +1,418 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |