Waterloo, IA · Charter 62871
NCUA · 2 branches
Q1 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.45% | 0.00% | 0.42% | 0.28% | 0.17% | 0.00% | 0.77% | +35 bps | |
| Return on Equity | 1.26% | 2.06% | 0.00% | 2.02% | 1.38% | 0.83% | 0.00% | 3.90% | +188 bps | |
| Net Interest Margin | 3.81% | 3.96% | 4.03% | 3.83% | 3.60% | 3.64% | 3.58% | 3.28% | -55 bps | |
| Efficiency Ratio | 93.69% | 89.69% | 88.93% | 89.89% | 91.40% | 93.19% | 97.12% | 78.06% | -1,182 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.16% | -0.76% | -1.43% | -0.98% | 3.99% | 3.64% | 8.98% | 6.82% | +780 bps | |
| Loan Growth (YoY) | -5.84% | -6.48% | -3.93% | -5.25% | -6.81% | -4.16% | -8.65% | -2.90% | +235 bps | |
| Share Growth (YoY) | -0.10% | -0.76% | -1.75% | -1.28% | 5.15% | 5.01% | 11.76% | 8.59% | +987 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.04% | 2.92% | 2.52% | 4.54% | 0.99% | 3.96% | 1.92% | 0.95% | -359 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 | 1.48% | 1.02% | 2.16% | 2.07% | 1.61% | 1.70% | 1.87% | 1.74% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.95% | 21.72% | 21.84% | 20.99% | 20.16% | 20.76% | 20.04% | 19.74% | -125 bps | |
| Net Worth / Assets | 20.95% | 21.72% | 21.84% | 20.99% | 20.16% | 20.76% | 20.04% | 19.74% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.78% | 44.31% | 45.59% | 41.22% | 38.79% | 40.44% | 37.27% | 36.86% | -436 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |