Ottumwa, IA · Charter 61360
NCUA · 1 branch
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | -0.82% | -0.64% | -0.40% | -0.50% | -0.17% | -0.06% | -0.13% | +27 bps | |
| Return on Equity | -0.52% | -8.12% | -6.36% | -3.88% | -4.98% | -1.65% | -0.49% | -1.21% | +267 bps | |
| Net Interest Margin | 3.31% | 3.33% | 3.29% | 3.46% | 3.05% | 3.38% | 3.79% | 3.79% | +34 bps | |
| Efficiency Ratio | 101.60% | 101.58% | 103.79% | 100.26% | 115.90% | 104.86% | 101.42% | 103.47% | +321 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.20% | 1.57% | -0.08% | -0.60% | 0.82% | -2.10% | -10.19% | -8.10% | -750 bps | |
| Loan Growth (YoY) | -2.62% | 3.35% | -3.34% | -0.88% | -6.76% | 2.37% | 4.61% | -0.85% | +3 bps | |
| Share Growth (YoY) | 4.51% | 2.54% | 0.55% | -0.25% | 1.45% | -2.32% | -11.37% | -8.92% | -867 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 1.23% | 1.21% | 1.21% | 1.39% | 1.37% | 1.33% | 1.40% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.59% | 10.13% | 10.10% | 10.40% | 10.00% | 10.28% | 11.30% | 11.18% | +78 bps | |
| Net Worth / Assets | 10.59% | 10.13% | 10.10% | 10.40% | 10.00% | 10.28% | 11.30% | 11.18% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.67% | 77.10% | 81.31% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |