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Letter portraitLegal landscapeQuarterYTD

St. Paul A.M.E. Zion Church

Cleveland, OH · Charter 96787

NCUA · 1 branch

Q3 2024

$214KAssets
$22KLoans
$161KShares
$51KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.34%, unchanged from a year ago; NIM at 3.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 23.66%, up 558 bps from a year ago.
  • Funding: loans stand at 13.40% of shares as of Q3 2024.

Financial Results

Return on Assets (YTD, annualized)

-3.34%0 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+147 bps YoY

Efficiency Ratio (YTD, annualized)

195.61%+5,720 bps YoY

Net Worth / Assets

23.66%+558 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets-3.35%0.19%0.53%0.50%-3.34%0 bps
Return on Equity-18.52%1.02%2.25%2.05%-14.14%+438 bps
Net Interest Margin2.02%2.27%3.44%3.30%3.49%+147 bps
Efficiency Ratio138.41%94.42%84.71%85.03%195.61%+5,720 bps
Growth
Asset Growth (YoY)-9.77%-7.04%-26.11%-26.07%-27.82%-1,805 bps
Loan Growth (YoY)15.79%71.90%-21.68%-21.94%-61.67%-7,746 bps
Share Growth (YoY)-11.39%-7.77%-32.46%-31.43%-32.24%-2,086 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.98%0.00%0.00%0.00%0.00%-998 bps
Capital
Risk-Based Capital18.08%18.69%23.38%24.21%23.66%+558 bps
Net Worth / Assets18.08%18.69%23.38%24.21%23.66%+558 bps
Liquidity & Funding
Loans / Shares23.69%32.49%17.58%16.36%13.40%-1,029 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps