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Stampers

Wyoming, MI · Charter 6164

NCUA · 2 branches

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

Stampers

Wyoming, MI · Charter 6164

NCUA · 2 branches

Q4 2022

$75.0MAssets
$41.5MLoans
$64.1MShares
$10.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.44%, up 23 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.74% of loans (+9 bps YoY).
  • Capital: net worth / assets of 14.01%, up 65 bps from a year ago.
  • Funding: loans stand at 64.75% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

0.44%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-4 bps YoY

Efficiency Ratio (YTD, annualized)

78.89%-1,275 bps YoY

Net Worth / Assets

14.01%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.37%0.10%0.27%0.21%0.73%0.62%0.78%0.44%+23 bps
Return on Equity2.81%0.78%2.00%1.57%5.54%4.69%5.65%3.12%+155 bps
Net Interest Margin2.99%3.01%3.18%3.08%2.63%2.67%2.88%3.05%-4 bps
Efficiency Ratio86.16%92.31%90.99%91.64%82.13%81.53%78.51%78.89%-1,275 bps
Growth
Asset Growth (YoY)13.30%6.38%5.40%6.07%2.46%4.14%3.18%-1.54%-761 bps
Loan Growth (YoY)-2.27%3.36%2.79%7.68%7.99%8.10%7.05%8.80%+112 bps
Share Growth (YoY)15.62%7.36%5.97%6.03%1.60%3.07%1.78%-2.06%-809 bps
Asset Quality
Delinquent Loans / Loans0.85%0.31%0.83%0.65%0.87%0.90%0.88%0.74%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.16%1.10%0.98%0.86%0.74%0.69%0.66%0.00%-86 bps
Capital
Risk-Based Capital13.24%13.33%13.61%13.36%13.22%13.27%13.78%14.01%+65 bps
Net Worth / Assets13.24%13.33%13.61%13.36%13.22%13.27%13.78%14.01%+65 bps
Liquidity & Funding
Loans / Shares54.02%56.61%58.51%58.29%57.41%59.38%61.54%64.75%+646 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps