PackageTrendsPeer
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Hopkins County Teachers

Madisonville, KY · Charter 20936

NCUA · 1 branch

Q1 2022

$13.0MAssets
$2.5MLoans
$10.8MShares
$2.2MNet 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 -1.75%, down 177 bps year over year; NIM at 1.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 17.07%, down 78 bps from a year ago.
  • Funding: loans stand at 23.02% of shares as of Q1 2022.

Financial Results

Return on Assets (quarter, annualized)

-1.75%-177 bps YoY

Net Interest Margin (quarter, annualized)

1.23%-41 bps YoY

Efficiency Ratio (quarter, annualized)

225%+12,558 bps YoY

Net Worth / Assets

17.07%-78 bps YoY

Discrete quarter, annualized.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.02%0.02%0.04%0.14%-1.75%-177 bps
Return on Equity0.10%0.12%0.21%0.80%-10.24%-1,034 bps
Net Interest Margin1.65%1.62%1.58%1.70%1.23%-41 bps
Efficiency Ratio99.91%99.42%98.38%93.01%225%+12,558 bps
Growth
Asset Growth (YoY)11.39%9.28%9.02%6.64%2.74%-865 bps
Loan Growth (YoY)-2.58%3.89%-7.66%-10.28%-13.94%-1,136 bps
Share Growth (YoY)13.95%11.31%11.01%8.04%3.74%-1,021 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 / Loans0.24%0.24%0.26%0.26%0.28%+4 bps
Capital
Risk-Based Capital17.85%17.78%17.83%18.05%17.07%-78 bps
Net Worth / Assets17.85%17.78%17.83%18.05%17.07%-78 bps
Liquidity & Funding
Loans / Shares27.75%28.15%25.51%25.55%23.02%-473 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps