Keokuk, IA · Charter 60678
NCUA · 1 branch
Q4 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | -0.07% | -0.08% | -0.11% | -0.65% | -110 bps | |
| Return on Equity | 4.94% | -0.76% | -0.96% | -1.29% | -7.48% | -1,241 bps | |
| Net Interest Margin | 2.29% | 1.70% | 1.71% | 1.73% | 1.73% | -56 bps | |
| Efficiency Ratio | 79.37% | 99.52% | 100.39% | 101.79% | 128.33% | +4,896 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.91% | 5.53% | 4.89% | 8.79% | -0.94% | -986 bps | |
| Loan Growth (YoY) | -16.00% | -19.05% | -20.83% | -21.67% | -14.05% | +196 bps | |
| Share Growth (YoY) | 9.30% | 5.55% | 4.78% | 9.40% | -0.92% | -1,023 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.14% | 1.28% | 1.15% | 0.94% | 0.91% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.14% | 8.81% | 8.78% | 8.68% | 8.71% | -43 bps | |
| Net Worth / Assets | 9.14% | 8.81% | 8.78% | 8.68% | 8.71% | -43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |