Sioux City, IA · Charter 63494
NCUA · 1 branch
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | -0.07% | 0.03% | -0.13% | 0.17% | 0.21% | 0.44% | 0.29% | +43 bps | |
| Return on Equity | 2.77% | -1.03% | 0.45% | -2.01% | 2.51% | 3.00% | 6.34% | 4.04% | +605 bps | |
| Net Interest Margin | 1.79% | 1.75% | 1.61% | 1.64% | 1.68% | 1.83% | 2.05% | 2.13% | +48 bps | |
| Efficiency Ratio | 91.01% | 102.34% | 98.55% | 97.15% | 86.31% | 85.83% | 82.14% | 86.09% | -1,106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.02% | 18.55% | 11.11% | 9.64% | 8.75% | 4.75% | 0.72% | -3.20% | -1,284 bps | |
| Loan Growth (YoY) | -1.25% | 0.47% | 1.70% | 3.57% | 6.13% | 6.94% | 5.39% | 3.97% | +40 bps | |
| Share Growth (YoY) | 25.19% | 20.09% | 12.21% | 10.61% | 9.05% | 4.91% | 0.40% | -3.95% | -1,457 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.14% | 0.60% | 0.19% | 0.12% | 0.14% | 0.29% | 0.08% | -11 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 | 0.62% | 0.64% | 0.65% | 0.64% | 0.58% | 0.63% | 0.00% | 0.00% | -64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.26% | 7.02% | 6.71% | 6.61% | 6.59% | 6.90% | 6.96% | 7.25% | +64 bps | |
| Net Worth / Assets | 7.26% | 7.02% | 6.71% | 6.61% | 6.59% | 6.90% | 6.96% | 7.25% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.27% | 29.29% | 27.27% | 27.92% | 28.49% | 29.86% | 28.62% | 30.23% | +230 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |