Strongsville, OH · Charter 97092
NCUA · 1 branch
Q1 2023
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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.35% | -0.40% | -0.27% | -0.10% | 0.07% | 0.08% | 0.12% | +39 bps | |
| Return on Equity | -1.24% | -2.61% | -2.94% | -2.12% | -0.74% | 0.56% | 0.60% | 0.98% | +310 bps | |
| Net Interest Margin | 2.11% | 2.06% | 2.12% | 1.88% | 2.06% | 2.28% | 2.41% | 2.65% | +77 bps | |
| Efficiency Ratio | 109.86% | 114.81% | 117.59% | 111.67% | 104.50% | 98.05% | 97.39% | 89.91% | -2,176 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.38% | 0.86% | -3.82% | 1.88% | 1.48% | 0.61% | 5.86% | 4.67% | +279 bps | |
| Loan Growth (YoY) | -15.86% | -12.54% | -11.54% | -16.77% | -8.14% | 12.23% | 36.81% | 49.14% | +6,590 bps | |
| Share Growth (YoY) | 0.14% | 1.53% | -3.93% | 2.19% | 2.07% | 0.64% | 0.70% | -5.24% | -743 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.17% | 0.16% | 0.15% | 0.42% | 0.67% | 0.64% | 0.42% | +27 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 | 0.33% | 0.33% | 0.25% | 0.26% | 0.24% | 0.19% | 0.20% | 0.00% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.62% | 13.45% | 13.65% | 12.77% | 13.07% | 13.30% | 12.97% | 12.37% | -40 bps | |
| Net Worth / Assets | 13.62% | 13.45% | 13.65% | 12.77% | 13.07% | 13.30% | 12.97% | 12.37% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.87% | 50.88% | 50.11% | 44.87% | 46.68% | 56.74% | 68.08% | 70.62% | +2,575 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |