Sioux City, IA · Charter 64021
NCUA · 1 branch
Q2 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.74% | 0.49% | 0.60% | 0.59% | -5 bps | |
| Return on Equity | 6.56% | 7.21% | 4.97% | 6.01% | 5.96% | -60 bps | |
| Net Interest Margin | 2.34% | 2.45% | 2.39% | 2.46% | 2.41% | +7 bps | |
| Efficiency Ratio | 68.37% | 66.24% | 67.77% | 73.87% | 72.53% | +416 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.28% | 10.64% | 8.32% | -0.38% | 3.16% | -1,413 bps | |
| Loan Growth (YoY) | 2.65% | 4.16% | -1.89% | -1.26% | -5.76% | -842 bps | |
| Share Growth (YoY) | 18.45% | 11.09% | 8.83% | -0.98% | 2.98% | -1,547 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 1.83% | 1.10% | 1.24% | 1.15% | +74 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.09% | 1.59% | 1.66% | 1.84% | +45 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.73% | 10.24% | 9.89% | 10.04% | 9.89% | +16 bps | |
| Net Worth / Assets | 9.73% | 10.24% | 9.89% | 10.04% | 9.89% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.49% | 56.35% | 51.48% | 51.25% | 48.94% | -454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |