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Atchison-Casting

Atchison, KS · Charter 63240

NCUA · 1 branch

Q1 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: Q1 2021, the quarter ended March 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

Atchison-Casting

Atchison, KS · Charter 63240

NCUA · 1 branch

Q1 2021

$6.6MAssets
$2.6MLoans
$6.1MShares
$488KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.75%, down 269 bps year over year; NIM at 5.18%.
  • Asset quality: problem loans at 7.01% of loans (+58 bps YoY).
  • Capital: net worth / assets of 7.43%, down 666 bps from a year ago.
  • Funding: loans stand at 43.35% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-1.75%-269 bps YoY

Net Interest Margin (YTD, annualized)

5.18%+45 bps YoY

Efficiency Ratio (YTD, annualized)

55.80%-2,515 bps YoY

Net Worth / Assets

7.43%-666 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.95%0.91%0.36%0.37%-1.75%-269 bps
Return on Equity6.71%6.42%2.55%2.65%-23.49%-3,020 bps
Net Interest Margin4.72%4.59%4.35%4.26%5.18%+45 bps
Efficiency Ratio80.96%80.84%65.60%70.12%55.80%-2,515 bps
Growth
Asset Growth (YoY)-0.79%2.43%3.42%5.07%-6.67%-589 bps
Loan Growth (YoY)-8.73%-10.69%-18.37%-10.18%-16.98%-824 bps
Share Growth (YoY)-1.07%2.56%3.73%5.64%0.65%+172 bps
Asset Quality
Delinquent Loans / Loans6.43%7.69%7.23%8.51%7.01%+58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.09%7.42%8.52%8.70%9.10%+201 bps
Capital
Risk-Based Capital14.09%14.25%14.01%13.93%7.43%-666 bps
Net Worth / Assets14.09%14.25%14.01%13.93%7.43%-666 bps
Liquidity & Funding
Loans / Shares52.55%50.62%45.88%46.26%43.35%-920 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps