Lawrence, KS · Charter 62840
NCUA · 1 branch
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -4.07% | -3.89% | -6.46% | -5.07% | -10.00% | -5.44% | -6.48% | -1 bps | |
| Return on Equity | 1.04% | -44.37% | -47.27% | -84.98% | -67.98% | -183.42% | -108.70% | -188.91% | -10,393 bps | |
| Net Interest Margin | 4.20% | 2.67% | 2.93% | 3.56% | 3.53% | 4.01% | 3.67% | 3.66% | +10 bps | |
| Efficiency Ratio | 92.61% | 141.18% | 138.42% | 164.37% | 154.09% | 114.41% | 121.39% | 172.04% | +767 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.79% | -16.96% | -8.74% | -26.93% | -21.69% | -23.77% | -21.69% | -10.55% | +1,638 bps | |
| Loan Growth (YoY) | -4.25% | -11.39% | -13.78% | -8.40% | -8.75% | -5.14% | -5.40% | -17.20% | -880 bps | |
| Share Growth (YoY) | -11.98% | -24.58% | -15.28% | -23.95% | -20.73% | -15.10% | -12.63% | -6.99% | +1,697 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.11% | 6.06% | 5.07% | 7.86% | 3.52% | 4.41% | 7.09% | 7.44% | -42 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 | 1.44% | 2.27% | 1.96% | 3.74% | 1.94% | 3.86% | 4.33% | 3.94% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.81% | 9.16% | 8.22% | 7.60% | 7.46% | 5.45% | 5.01% | 3.43% | -418 bps | |
| Net Worth / Assets | 9.81% | 9.16% | 8.22% | 7.60% | 7.46% | 5.45% | 5.01% | 3.43% | -418 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.29% | 72.17% | 67.77% | 80.86% | 77.46% | 80.63% | 73.39% | 71.98% | -888 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |