Wichita, KS · Charter 62649
NCUA · 2 branches
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 4.17% | 3.62% | 3.53% | 3.45% | 2.58% | 2.47% | 2.45% | 2.41% | -104 bps | |
| Efficiency Ratio | 87.92% | 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 / Loans | 0.09% | 0.00% | 0.34% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.68% | 1.65% | 1.73% | 2.81% | 3.12% | 0.98% | 0.91% | 0.97% | -184 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.44% | 9.61% | 9.76% | 9.20% | 8.49% | 9.22% | 9.22% | 9.34% | +14 bps | |
| Net Worth / Assets | 10.44% | 9.61% | 9.76% | 9.20% | 8.49% | 9.22% | 9.22% | 9.34% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.81% | 59.65% | 56.78% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |