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United Methodist Financial Credit U

North Canton, OH · Charter 96699

NCUA · 4 branches

Q1 2025

$79.6MAssets
$33.7MLoans
$70.7MShares
$11.3MNet Worth

Executive Summary

  • Earnings: ROA of -0.06%, up 12 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.10% of loans (+3 bps YoY).
  • Capital: net worth / assets of 14.14%, up 19 bps from a year ago.
  • Funding: loans stand at 47.64% of shares as of Q1 2025.

Return on Assets (quarter, annualized)

-0.06%+12 bps YoY

Net Interest Margin (quarter, annualized)

2.14%+2 bps YoY

Efficiency Ratio (quarter, annualized)

101.00%-417 bps YoY

Net Worth / Assets

14.14%+19 bps YoY

Discrete quarter, annualized.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.44%0.34%0.23%-0.19%-0.19%-0.20%-0.32%-0.06%+12 bps
Return on Equity3.30%2.49%1.69%-1.33%-1.36%-1.38%-2.22%-0.46%+88 bps
Net Interest Margin2.63%2.54%2.42%2.12%2.13%2.20%2.15%2.14%+2 bps
Efficiency Ratio85.22%88.07%90.98%105.17%106.19%106.60%110.83%101.00%-417 bps
Growth
Asset Growth (YoY)-5.95%-6.34%-6.68%-7.61%-6.09%-7.38%-6.68%-3.49%+412 bps
Loan Growth (YoY)-1.34%-0.07%-4.28%-2.69%-5.72%-4.67%-3.53%-5.79%-309 bps
Share Growth (YoY)-11.35%-11.53%-11.24%-10.98%-3.31%-5.78%-5.22%-1.54%+944 bps
Asset Quality
Delinquent Loans / Loans0.16%0.06%0.06%0.06%0.08%0.06%0.10%0.10%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.37%13.72%13.64%13.95%14.12%14.60%14.27%14.14%+19 bps
Net Worth / Assets13.37%13.72%13.64%13.95%14.12%14.60%14.27%14.14%+19 bps
Liquidity & Funding
Loans / Shares50.83%50.84%48.98%49.79%49.56%51.44%49.85%47.64%-215 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps