Le Mars, IA · Charter 63399
NCUA · 1 branch
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.78% | 0.95% | 0.87% | 0.58% | 0.55% | 0.65% | -0.55% | -143 bps | |
| Return on Equity | 5.97% | 7.20% | 8.54% | 8.10% | 5.65% | 5.36% | 6.62% | -6.18% | -1,428 bps | |
| Net Interest Margin | 1.83% | 1.93% | 2.04% | 1.97% | 1.89% | 1.91% | 1.89% | 2.06% | +9 bps | |
| Efficiency Ratio | 67.63% | 66.20% | 63.03% | 65.26% | 74.34% | 76.89% | 73.31% | 119.42% | +5,416 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.52% | 17.86% | 15.23% | 16.68% | 12.55% | 14.08% | 21.47% | 15.72% | -96 bps | |
| Loan Growth (YoY) | 5.95% | 12.58% | 16.14% | 14.07% | 19.54% | 9.63% | 7.66% | 8.48% | -559 bps | |
| Share Growth (YoY) | 27.01% | 19.31% | 16.23% | 17.72% | 13.04% | 14.77% | 23.01% | 16.34% | -138 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.07% | 0.04% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | -2 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 | 0.22% | 0.12% | 0.08% | 0.08% | 0.12% | 0.14% | 0.13% | 0.12% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.64% | 10.84% | 11.08% | 10.79% | 10.32% | 10.32% | 9.90% | 8.93% | -186 bps | |
| Net Worth / Assets | 10.64% | 10.84% | 11.08% | 10.79% | 10.32% | 10.32% | 9.90% | 8.93% | -186 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.80% | 69.31% | 72.60% | 69.69% | 67.47% | 66.21% | 63.54% | 64.98% | -471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |