Independence, MO · Charter 15509
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 | 1.63% | 1.04% | 0.68% | -0.25% | -0.37% | -0.25% | -0.24% | 0.25% | +50 bps | |
| Return on Equity | 21.99% | 14.23% | 9.66% | -3.58% | -5.36% | -3.64% | -3.53% | 3.64% | +722 bps | |
| Net Interest Margin | 3.43% | 3.33% | 3.24% | 2.85% | 2.96% | 3.09% | 3.18% | 3.75% | +90 bps | |
| Efficiency Ratio | 102.39% | 102.45% | 103.76% | 106.80% | 109.82% | 106.33% | 105.98% | 94.31% | -1,249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.77% | 15.86% | 16.57% | 3.94% | 4.03% | 3.66% | 0.03% | -1.22% | -516 bps | |
| Loan Growth (YoY) | -0.55% | -3.10% | -4.40% | -2.18% | 0.28% | 3.48% | 7.66% | -0.98% | +119 bps | |
| Share Growth (YoY) | 7.95% | 15.83% | 17.00% | 3.86% | 4.69% | 4.25% | 0.31% | -1.18% | -504 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.24% | 0.00% | 0.07% | 0.05% | +5 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 | 0.09% | 0.12% | 0.49% | 0.50% | 0.48% | 0.42% | 0.28% | 0.31% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.43% | 7.28% | 7.05% | 6.88% | 6.85% | 6.76% | 6.81% | 6.85% | -3 bps | |
| Net Worth / Assets | 7.43% | 7.28% | 7.05% | 6.88% | 6.85% | 6.76% | 6.81% | 6.85% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.40% | 55.45% | 53.69% | 52.38% | 54.98% | 55.04% | 57.62% | 52.49% | +10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |