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Muni Employees

Ottumwa, IA · Charter 61360

NCUA · 1 branch

Q4 2022

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: 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.

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

Muni Employees

Ottumwa, IA · Charter 61360

NCUA · 1 branch

Q4 2022

$660KAssets
$545KLoans
$583KShares
$74KNet 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 -0.13%, up 27 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.18%, up 78 bps from a year ago.
  • Funding: loans stand at 93.42% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.13%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+34 bps YoY

Efficiency Ratio (YTD, annualized)

103.47%+321 bps YoY

Net Worth / Assets

11.18%+78 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-0.40%-0.50%-0.17%-0.06%-0.13%+27 bps
Return on Equity-3.88%-4.98%-1.65%-0.49%-1.21%+267 bps
Net Interest Margin3.46%3.05%3.38%3.79%3.79%+34 bps
Efficiency Ratio100.26%115.90%104.86%101.42%103.47%+321 bps
Growth
Asset Growth (YoY)-0.60%0.82%-2.10%-10.19%-8.10%-750 bps
Loan Growth (YoY)-0.88%-6.76%2.37%4.61%-0.85%+3 bps
Share Growth (YoY)-0.25%1.45%-2.32%-11.37%-8.92%-867 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%1.26%1.11%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.21%1.39%1.37%1.33%1.40%+19 bps
Capital
Risk-Based Capital10.40%10.00%10.28%11.30%11.18%+78 bps
Net Worth / Assets10.40%10.00%10.28%11.30%11.18%+78 bps
Liquidity & Funding
Loans / Shares85.82%75.06%80.79%95.97%93.42%+760 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps