Wichita, KS · Charter 62649
NCUA · 2 branches
Q4 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | -0.12% | 1.49% | 1.00% | 0.96% | +172 bps | |
| Return on Equity | -8.35% | -1.40% | 16.19% | 10.89% | 10.23% | +1,858 bps | |
| Net Interest Margin | 3.45% | 2.58% | 2.47% | 2.45% | 2.41% | -104 bps | |
| Efficiency Ratio | 94.68% | 103.25% | 110.47% | 106.65% | 99.04% | +435 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.85% | 14.52% | 6.59% | 7.15% | 9.68% | +183 bps | |
| Loan Growth (YoY) | -22.43% | -20.57% | -11.71% | -6.44% | -6.58% | +1,585 bps | |
| Share Growth (YoY) | 10.73% | 17.55% | 7.51% | 7.49% | 9.46% | -126 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.08% | 0.06% | 0.00% | 0.22% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.81% | 3.12% | 0.98% | 0.91% | 0.97% | -184 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.20% | 8.49% | 9.22% | 9.22% | 9.34% | +14 bps | |
| Net Worth / Assets | 9.20% | 8.49% | 9.22% | 9.22% | 9.34% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.40% | 47.17% | 48.99% | 49.42% | 47.28% | -812 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |