Des Moines, IA · Charter 63486
NCUA · 2 branches
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.00% | 0.01% | 0.03% | -0.02% | -0.11% | -0.15% | -20.20% | -2,023 bps | |
| Return on Equity | 0.17% | 0.02% | 0.06% | 0.23% | -0.13% | -0.78% | -0.99% | -172.36% | -17,259 bps | |
| Net Interest Margin | 3.16% | 3.32% | 3.49% | 3.18% | 3.41% | 3.50% | 3.86% | 3.19% | +1 bps | |
| Efficiency Ratio | 86.69% | 86.31% | 85.91% | 90.91% | 94.14% | 96.69% | 97.03% | 387% | +29,636 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.28% | 6.85% | 1.10% | -0.41% | -14.93% | -14.03% | -18.72% | -27.13% | -2,672 bps | |
| Loan Growth (YoY) | -10.65% | -10.72% | -6.21% | -20.92% | -18.59% | -16.50% | -18.38% | -12.92% | +800 bps | |
| Share Growth (YoY) | 15.17% | 7.98% | 1.34% | -0.34% | -16.49% | -15.57% | -20.97% | -26.34% | -2,600 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.04% | 3.77% | 6.46% | 6.64% | 5.76% | 5.86% | 5.86% | -60 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 | 1.83% | 0.77% | 1.00% | 1.33% | 1.50% | 1.59% | 1.79% | 1.91% | +59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.66% | 12.24% | 12.65% | 12.35% | 13.69% | 14.16% | 15.41% | 11.72% | -63 bps | |
| Net Worth / Assets | 11.66% | 12.24% | 12.65% | 12.35% | 13.69% | 14.16% | 15.41% | 11.72% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.38% | 75.02% | 77.69% | 64.42% | 68.61% | 74.20% | 80.23% | 76.16% | +1,174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |