Ottumwa, IA · Charter 61360
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 | -0.40% | -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 Margin | 3.46% | 3.05% | 3.38% | 3.79% | 3.79% | +34 bps | |
| Efficiency Ratio | 100.26% | 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 / Loans | 0.00% | 0.00% | 1.26% | 1.11% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.39% | 1.37% | 1.33% | 1.40% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.40% | 10.00% | 10.28% | 11.30% | 11.18% | +78 bps | |
| Net Worth / Assets | 10.40% | 10.00% | 10.28% | 11.30% | 11.18% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.82% | 75.06% | 80.79% | 95.97% | 93.42% | +760 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |