PackageTrendsPeer
Letter portraitLegal landscape

Bayer

Kansas City, MO · Charter 63333

NCUA · 1 branch

Q3 2022

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: Q3 2022, the quarter ended September 30, 2022, 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

Bayer

Kansas City, MO · Charter 63333

NCUA · 1 branch

Q3 2022

$7.6MAssets
$2.8MLoans
$7.2MShares
$230KNet 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 -3.82%, down 309 bps year over year; NIM at 2.04%.
  • Asset quality: problem loans at 0.11% of loans (+7 bps YoY).
  • Capital: net worth / assets of 3.02%, down 307 bps from a year ago.
  • Funding: loans stand at 38.84% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-3.82%-309 bps YoY

Net Interest Margin (YTD, annualized)

2.04%-8 bps YoY

Efficiency Ratio (YTD, annualized)

235%+10,844 bps YoY

Net Worth / Assets

3.02%-307 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-0.74%-0.71%-2.17%-1.10%-3.82%-309 bps
Return on Equity-12.08%-11.79%-40.66%-21.17%-126.54%-11,446 bps
Net Interest Margin2.12%2.14%1.96%1.83%2.04%-8 bps
Efficiency Ratio126.36%123.42%160.24%146.99%235%+10,844 bps
Growth
Asset Growth (YoY)1.83%3.89%-0.48%1.67%0.99%-84 bps
Loan Growth (YoY)13.65%-2.43%-11.14%-27.46%-19.66%-3,331 bps
Share Growth (YoY)2.08%5.14%1.09%2.32%2.63%+55 bps
Asset Quality
Delinquent Loans / Loans0.05%0.23%0.03%0.15%0.11%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.61%0.69%0.93%0.23%0.34%-27 bps
Capital
Risk-Based Capital6.10%6.05%5.34%5.21%3.02%-307 bps
Net Worth / Assets6.10%6.05%5.34%5.21%3.02%-307 bps
Liquidity & Funding
Loans / Shares49.62%45.50%38.48%38.14%38.84%-1,078 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps