Atchison, KS · Charter 63337
NCUA · 1 branch
Q2 2020
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.74% | 1.74% | 1.67% | 1.83% | 1.85% | 1.47% | 1.02% | -66 bps | |
| Return on Equity | 19.82% | 21.70% | 21.14% | 20.24% | 21.55% | 20.01% | 15.75% | 10.92% | -932 bps | |
| Net Interest Margin | 5.39% | 5.51% | 5.65% | 5.54% | 5.43% | 5.62% | 5.27% | 5.19% | -35 bps | |
| Efficiency Ratio | 63.35% | 63.31% | 61.88% | 64.34% | 63.14% | 63.87% | 63.96% | 70.75% | +641 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.75% | 19.38% | 16.95% | 15.65% | 12.80% | 8.41% | 9.06% | 5.44% | -1,020 bps | |
| Loan Growth (YoY) | 21.10% | 23.29% | 15.01% | 16.42% | 11.09% | 4.63% | 7.07% | -1.56% | -1,798 bps | |
| Share Growth (YoY) | 17.77% | 14.60% | 15.93% | 12.73% | 10.66% | 10.88% | 0.27% | 1.53% | -1,120 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.44% | 0.75% | 1.03% | 2.15% | 1.81% | 1.77% | 1.31% | +28 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 | 0.80% | 0.77% | 0.63% | 0.72% | 0.78% | 0.86% | 0.83% | 0.76% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.39% | 8.00% | 8.24% | 8.27% | 8.50% | 9.22% | 9.31% | 9.32% | +105 bps | |
| Net Worth / Assets | 7.39% | 8.00% | 8.24% | 8.27% | 8.50% | 9.22% | 9.31% | 9.32% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.19% | 107.99% | 102.07% | 106.58% | 104.59% | 101.91% | 109.00% | 103.33% | -325 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |