Atchison, KS · Charter 63240
NCUA · 1 branch
Q1 2021
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.68% | 0.67% | 0.95% | 0.91% | 0.36% | 0.37% | -1.75% | -269 bps | |
| Return on Equity | 5.20% | 4.82% | 4.74% | 6.71% | 6.42% | 2.55% | 2.65% | -23.49% | -3,020 bps | |
| Net Interest Margin | 5.29% | 5.15% | 5.01% | 4.72% | 4.59% | 4.35% | 4.26% | 5.18% | +45 bps | |
| Efficiency Ratio | 77.69% | 77.82% | 79.73% | 80.96% | 80.84% | 65.60% | 70.12% | 55.80% | -2,515 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.13% | -6.71% | -1.33% | -0.79% | 2.43% | 3.42% | 5.07% | -6.67% | -589 bps | |
| Loan Growth (YoY) | -2.33% | -0.55% | -9.59% | -8.73% | -10.69% | -18.37% | -10.18% | -16.98% | -824 bps | |
| Share Growth (YoY) | -6.73% | -6.26% | -2.14% | -1.07% | 2.56% | 3.73% | 5.64% | 0.65% | +172 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.86% | 4.03% | 6.41% | 6.43% | 7.69% | 7.23% | 8.51% | 7.01% | +58 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 | 6.99% | 7.54% | 7.74% | 7.09% | 7.42% | 8.52% | 8.70% | 9.10% | +201 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.24% | 14.14% | 14.25% | 14.09% | 14.25% | 14.01% | 13.93% | 7.43% | -666 bps | |
| Net Worth / Assets | 14.24% | 14.14% | 14.25% | 14.09% | 14.25% | 14.01% | 13.93% | 7.43% | -666 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.13% | 58.30% | 54.41% | 52.55% | 50.62% | 45.88% | 46.26% | 43.35% | -920 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |