Columbus, NE · Charter 24872
NCUA · 2 branches
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | -1.31% | -1.66% | -2.92% | -2.04% | -2.13% | -1.86% | -12.45% | -953 bps | |
| Return on Equity | -4.72% | -9.73% | -11.77% | -21.92% | -16.10% | -16.30% | -13.05% | -105.17% | -8,324 bps | |
| Net Interest Margin | 1.65% | 1.66% | 1.83% | 2.32% | 2.32% | 2.67% | 3.09% | 3.81% | +149 bps | |
| Efficiency Ratio | 129.10% | 161.97% | 169.26% | 206% | 175.29% | 169.55% | 150.08% | 345% | +13,901 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.25% | 1.79% | -12.10% | -11.36% | -9.58% | -11.63% | -12.25% | -16.77% | -541 bps | |
| Loan Growth (YoY) | 18.49% | 21.39% | 25.83% | 29.14% | 29.70% | 16.17% | 3.44% | -5.81% | -3,495 bps | |
| Share Growth (YoY) | -2.35% | -7.89% | -9.98% | -6.05% | 1.40% | -0.99% | -8.32% | -17.29% | -1,124 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.39% | 0.69% | 0.24% | 0.43% | 0.42% | 0.36% | 0.69% | +44 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 | 0.85% | 0.78% | 0.85% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.39% | 13.45% | 14.11% | 13.31% | 12.70% | 13.06% | 14.23% | 11.84% | -148 bps | |
| Net Worth / Assets | 13.39% | 13.45% | 14.11% | 13.31% | 12.70% | 13.06% | 14.23% | 11.84% | -148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.79% | 70.14% | 76.41% | 75.25% | 75.20% | 82.29% | 86.22% | 85.70% | +1,045 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |