Hays, KS · Charter 62580
NCUA · 1 branch
Q1 2022
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | -0.09% | -0.16% | -2.16% | -1.27% | -0.89% | -0.60% | -0.06% | +210 bps | |
| Return on Equity | 1.01% | -0.84% | -1.57% | -23.45% | -13.73% | -9.85% | -6.68% | -0.63% | +2,282 bps | |
| Net Interest Margin | 2.31% | 2.26% | 2.12% | 1.94% | 1.96% | 2.06% | 2.14% | 2.33% | +39 bps | |
| Efficiency Ratio | 95.80% | 103.56% | 106.68% | 131.39% | 123.35% | 116.66% | 109.26% | 99.05% | -3,234 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.14% | 14.57% | 15.27% | 10.55% | 4.61% | 8.29% | 3.44% | -2.93% | -1,348 bps | |
| Loan Growth (YoY) | -7.54% | -11.09% | -11.69% | -14.34% | -3.32% | 16.97% | 25.13% | 39.17% | +5,350 bps | |
| Share Growth (YoY) | 19.08% | 16.50% | 17.51% | 12.81% | 6.07% | 10.15% | 4.45% | -3.21% | -1,602 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 2.20% | 0.00% | 6.19% | 0.00% | 0.00% | 0.00% | 0.01% | -618 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 | 1.09% | 1.16% | 1.23% | 2.91% | 2.63% | 2.25% | 2.12% | 1.94% | -97 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.53% | 10.56% | 9.93% | 9.21% | 9.27% | 9.00% | 9.00% | 9.42% | +21 bps | |
| Net Worth / Assets | 10.53% | 10.56% | 9.93% | 9.21% | 9.27% | 9.00% | 9.00% | 9.42% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.44% | 30.14% | 27.49% | 25.45% | 28.66% | 32.00% | 32.94% | 36.59% | +1,114 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |