Sitka, AK · Charter 13865
NCUA · 2 branches
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sitka, AK · Charter 13865
NCUA · 2 branches
Q4 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.15% | 0.14% | 0.31% | 0.49% | -19 bps | |
| Return on Equity | 7.36% | 1.61% | 1.55% | 3.66% | 5.33% | -204 bps | |
| Net Interest Margin | 2.87% | 2.85% | 2.80% | 2.63% | 3.00% | +13 bps | |
| Efficiency Ratio | 82.56% | 95.94% | 96.09% | 90.90% | 87.20% | +465 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.88% | 6.41% | 6.60% | 9.83% | 5.47% | -741 bps | |
| Loan Growth (YoY) | -12.76% | -10.93% | -6.72% | -1.24% | 6.28% | +1,904 bps | |
| Share Growth (YoY) | 13.94% | 8.52% | 9.57% | 13.29% | 8.44% | -551 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.01% | 0.13% | 0.09% | 0.42% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.46% | 0.45% | 0.46% | 0.44% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.28% | 9.51% | 9.31% | 8.50% | 9.28% | 0 bps | |
| Net Worth / Assets | 9.28% | 9.51% | 9.31% | 8.50% | 9.28% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.03% | 61.05% | 60.65% | 54.63% | 59.82% | -121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |