Akron, OH · Charter 96718
NCUA · 1 branch
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | -0.39% | -0.63% | -0.77% | -0.94% | -0.93% | 0.28% | -2.00% | -122 bps | |
| Return on Equity | 0.11% | -2.27% | -3.84% | -4.71% | -5.91% | -5.85% | 1.76% | -13.16% | -845 bps | |
| Net Interest Margin | 2.43% | 1.81% | 1.77% | 1.84% | 1.87% | 1.85% | 1.86% | 2.05% | +21 bps | |
| Efficiency Ratio | 109.26% | 126.51% | 134.14% | 134.48% | 142.16% | 178.97% | 89.24% | 219% | +8,480 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.11% | 11.66% | 9.71% | 6.54% | 6.39% | -0.49% | -1.85% | -3.86% | -1,040 bps | |
| Loan Growth (YoY) | -18.46% | -1.35% | 16.13% | 24.43% | 28.38% | 6.72% | 9.01% | 10.46% | -1,397 bps | |
| Share Growth (YoY) | 10.09% | 14.63% | 12.49% | 8.97% | 8.90% | 0.70% | -1.68% | -4.10% | -1,307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.02% | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.95% | 0.72% | 0.72% | 0.79% | 0.79% | 0.66% | 0.66% | 0.60% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.89% | 16.93% | 16.33% | 16.39% | 15.88% | 15.93% | 16.15% | 15.17% | -122 bps | |
| Net Worth / Assets | 17.89% | 16.93% | 16.33% | 16.39% | 15.88% | 15.93% | 16.15% | 15.17% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.53% | 50.72% | 50.95% | 53.60% | 54.86% | 53.75% | 56.50% | 61.73% | +814 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |