Fort Smith, AR · Charter 24293
NCUA · 1 branch
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 | -0.88% | -0.35% | -1.23% | -1.17% | -0.83% | +5 bps | |
| Return on Equity | -7.52% | -3.04% | -11.11% | -10.36% | -6.58% | +93 bps | |
| Net Interest Margin | 3.06% | 2.68% | 3.07% | 3.20% | 4.35% | +129 bps | |
| Efficiency Ratio | 114.47% | 109.36% | 130.38% | 127.48% | 115.24% | +77 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.14% | -2.80% | -4.80% | -8.38% | -11.18% | -1,431 bps | |
| Loan Growth (YoY) | -2.88% | 0.99% | -2.07% | -0.07% | -2.73% | +15 bps | |
| Share Growth (YoY) | 4.78% | -2.38% | -3.78% | -8.09% | -12.09% | -1,687 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.23% | 0.48% | 0.73% | 2.93% | +254 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.37% | 0.37% | 0.27% | 0.29% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.74% | 11.41% | 11.05% | 11.32% | 12.58% | +84 bps | |
| Net Worth / Assets | 11.74% | 11.41% | 11.05% | 11.32% | 12.58% | +84 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.26% | 71.72% | 73.36% | 78.48% | 82.16% | +791 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |