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Nishna Valley

Atlantic, IA · Charter 60046

NCUA · 2 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Nishna Valley

Atlantic, IA · Charter 60046

NCUA · 2 branches

Q3 2021

$41.4MAssets
$6.4MLoans
$39.0MShares
$2.3MNet 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 -1.92%, down 206 bps year over year; NIM at 1.18%.
  • Asset quality: problem loans at 0.77% of loans (+30 bps YoY).
  • Capital: net worth / assets of 5.64%, down 194 bps from a year ago.
  • Funding: loans stand at 16.32% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-1.92%-206 bps YoY

Net Interest Margin (YTD, annualized)

1.18%-106 bps YoY

Efficiency Ratio (YTD, annualized)

180.22%+8,486 bps YoY

Net Worth / Assets

5.64%-194 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.15%0.13%0.50%0.03%-1.92%-206 bps
Return on Equity1.93%1.79%7.47%0.49%-33.97%-3,591 bps
Net Interest Margin2.24%2.01%1.31%1.25%1.18%-106 bps
Efficiency Ratio95.36%95.56%84.36%98.72%180.22%+8,486 bps
Growth
Asset Growth (YoY)15.50%20.75%25.70%11.49%7.49%-802 bps
Loan Growth (YoY)-19.60%-23.72%-32.95%-30.85%-36.71%-1,710 bps
Share Growth (YoY)16.74%22.58%27.71%12.37%9.89%-685 bps
Asset Quality
Delinquent Loans / Loans0.47%0.50%0.61%0.64%0.77%+30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.99%1.08%1.25%1.35%1.62%+63 bps
Capital
Risk-Based Capital7.58%7.19%6.65%6.74%5.64%-194 bps
Net Worth / Assets7.58%7.19%6.65%6.74%5.64%-194 bps
Liquidity & Funding
Loans / Shares28.34%24.79%19.32%18.78%16.32%-1,202 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps