Keokuk, IA · Charter 60678
NCUA · 1 branch
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Keokuk, IA · Charter 60678
NCUA · 1 branch
Q4 2022
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 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.39% | 0.42% | 0.45% | -0.07% | -0.08% | -0.11% | -0.65% | -110 bps | |
| Return on Equity | 1.55% | 4.29% | 4.52% | 4.94% | -0.76% | -0.96% | -1.29% | -7.48% | -1,241 bps | |
| Net Interest Margin | 2.33% | 2.43% | 2.43% | 2.29% | 1.70% | 1.71% | 1.73% | 1.73% | -56 bps | |
| Efficiency Ratio | 93.39% | 82.76% | 81.01% | 79.37% | 99.52% | 100.39% | 101.79% | 128.33% | +4,896 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.59% | 10.31% | 8.99% | 8.91% | 5.53% | 4.89% | 8.79% | -0.94% | -986 bps | |
| Loan Growth (YoY) | -10.09% | -9.05% | -11.57% | -16.00% | -19.05% | -20.83% | -21.67% | -14.05% | +196 bps | |
| Share Growth (YoY) | 18.25% | 11.16% | 9.65% | 9.30% | 5.55% | 4.78% | 9.40% | -0.92% | -1,023 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.08% | 2.23% | 2.13% | 1.76% | 1.19% | 1.63% | 2.48% | 1.73% | -3 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 | 1.02% | 0.92% | 1.01% | 1.14% | 1.28% | 1.15% | 0.94% | 0.91% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.91% | 8.99% | 9.39% | 9.14% | 8.81% | 8.78% | 8.68% | 8.71% | -43 bps | |
| Net Worth / Assets | 8.91% | 8.99% | 9.39% | 9.14% | 8.81% | 8.78% | 8.68% | 8.71% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.00% | 40.04% | 40.33% | 36.31% | 32.98% | 30.26% | 28.87% | 31.50% | -481 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |