PackageTrendsPeer
Letter portraitLegal landscape

Equishare

Wichita, KS · Charter 62649

NCUA · 2 branches

Q4 2021

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 2021, the quarter ended December 31, 2021, 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

Equishare

Wichita, KS · Charter 62649

NCUA · 2 branches

Q4 2021

$38.2MAssets
$16.1MLoans
$34.1MShares
$3.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.96%, up 172 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.22% of loans (-11 bps YoY).
  • Capital: net worth / assets of 9.34%, up 14 bps from a year ago.
  • Funding: loans stand at 47.28% of shares as of Q4 2021.

Return on Assets (YTD, annualized)

0.96%+172 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-104 bps YoY

Efficiency Ratio (YTD, annualized)

99.04%+435 bps YoY

Net Worth / Assets

9.34%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets-0.54%-0.36%-0.10%-0.77%-0.12%1.49%1.00%0.96%+172 bps
Return on Equity-5.15%-3.70%-1.04%-8.35%-1.40%16.19%10.89%10.23%+1,858 bps
Net Interest Margin4.17%3.62%3.53%3.45%2.58%2.47%2.45%2.41%-104 bps
Efficiency Ratio87.92%94.72%93.21%94.68%103.25%110.47%106.65%99.04%+435 bps
Growth
Asset Growth (YoY)-2.51%3.66%5.06%7.85%14.52%6.59%7.15%9.68%+183 bps
Loan Growth (YoY)-23.92%-24.43%-25.07%-22.43%-20.57%-11.71%-6.44%-6.58%+1,585 bps
Share Growth (YoY)-3.25%5.18%6.68%10.73%17.55%7.51%7.49%9.46%-126 bps
Asset Quality
Delinquent Loans / Loans0.09%0.00%0.34%0.33%0.08%0.06%0.00%0.22%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.68%1.65%1.73%2.81%3.12%0.98%0.91%0.97%-184 bps
Capital
Risk-Based Capital10.44%9.61%9.76%9.20%8.49%9.22%9.22%9.34%+14 bps
Net Worth / Assets10.44%9.61%9.76%9.20%8.49%9.22%9.22%9.34%+14 bps
Liquidity & Funding
Loans / Shares69.81%59.65%56.78%55.40%47.17%48.99%49.42%47.28%-812 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps