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BTR Russellville

Russellville, KY · Charter 13241

NCUA · 1 branch

Q2 2022

$490KAssets
$86KLoans
$232KShares
$257KNet 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 -17.51%, down 1,700 bps year over year; NIM at 2.16%.
  • Asset quality: problem loans at 10.09% of loans (-753 bps YoY).
  • Capital: net worth / assets of 52.50%, up 1,058 bps from a year ago.
  • Funding: loans stand at 37.14% of shares as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

-17.51%-1,700 bps YoY

Net Interest Margin (YTD, annualized)

2.16%-139 bps YoY

Efficiency Ratio (YTD, annualized)

216%+11,980 bps YoY

Net Worth / Assets

52.50%+1,058 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets-0.52%-1.01%-2.47%-23.82%-17.51%-1,700 bps
Return on Equity-1.23%-2.38%-5.92%-51.87%-33.36%-3,213 bps
Net Interest Margin3.55%3.49%3.10%2.39%2.16%-139 bps
Efficiency Ratio96.60%115.77%119.75%33.81%216%+11,980 bps
Growth
Asset Growth (YoY)0.86%-2.93%-4.86%-23.87%-34.80%-3,566 bps
Loan Growth (YoY)-18.77%-25.85%-40.04%-60.24%-74.71%-5,594 bps
Share Growth (YoY)3.11%-2.34%-3.96%-29.01%-46.68%-4,979 bps
Asset Quality
Delinquent Loans / Loans17.62%18.66%21.43%5.80%10.09%-753 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans-0.89%0.86%3.73%13.54%23.58%+2,446 bps
Capital
Risk-Based Capital41.92%42.53%41.68%45.92%52.50%+1,058 bps
Net Worth / Assets41.92%42.53%41.68%45.92%52.50%+1,058 bps
Liquidity & Funding
Loans / Shares78.32%69.85%53.74%48.11%37.14%-4,117 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps