Alliance, NE · Charter 24907
NCUA · 2 branches
Q4 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.00% | 0.38% | 0.39% | 0.47% | 0.39% | 0.69% | -0.08% | -46 bps | |
| Return on Equity | 1.72% | 0.03% | 4.31% | 4.30% | 5.40% | 4.43% | 7.72% | -0.88% | -519 bps | |
| Net Interest Margin | 3.18% | 2.98% | 2.96% | 2.92% | 2.62% | 2.59% | 2.59% | 2.56% | -36 bps | |
| Efficiency Ratio | 90.48% | 91.97% | 92.05% | 91.87% | 89.54% | 91.09% | 90.25% | 106.01% | +1,413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.88% | 4.70% | 2.61% | 2.11% | 5.87% | 2.23% | 6.68% | 2.85% | +74 bps | |
| Loan Growth (YoY) | -15.23% | -15.79% | -11.38% | -9.03% | -11.23% | -9.83% | -15.66% | -14.41% | -538 bps | |
| Share Growth (YoY) | -2.11% | 5.19% | 3.02% | 1.05% | 5.79% | 2.00% | 7.26% | 4.03% | +298 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 0.79% | 1.08% | 1.04% | 0.98% | 0.72% | 1.12% | 0.99% | -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 | 2.62% | 2.24% | 2.54% | 2.40% | 2.54% | 2.65% | 2.09% | 2.20% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.71% | 8.42% | 8.88% | 9.00% | 8.68% | 8.80% | 8.93% | 8.68% | -33 bps | |
| Net Worth / Assets | 8.71% | 8.42% | 8.88% | 9.00% | 8.68% | 8.80% | 8.93% | 8.68% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.59% | 57.45% | 59.57% | 58.65% | 51.68% | 50.79% | 46.84% | 48.26% | -1,039 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |