Truro, IA · Charter 64351
NCUA · 1 branch
Q2 2023
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 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.66% | 0.00% | 1.22% | 1.24% | +66 bps | |
| Return on Equity | 1.83% | 2.05% | 0.00% | 3.85% | 3.80% | +197 bps | |
| Net Interest Margin | 1.96% | 2.08% | 1.65% | 2.59% | 2.64% | +69 bps | |
| Efficiency Ratio | 70.36% | 68.43% | 100.00% | 52.82% | 52.93% | -1,743 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.67% | -4.98% | 4.48% | 1.82% | -2.11% | +157 bps | |
| Loan Growth (YoY) | -19.57% | -5.33% | -17.90% | -3.43% | 12.58% | +3,216 bps | |
| Share Growth (YoY) | -5.04% | -7.18% | 6.09% | 1.44% | -4.56% | +49 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 5.19% | 0.00% | 4.07% | +407 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 19.39% | 18.11% | 18.92% | 18.98% | 17.22% | -217 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.78% | 32.05% | 31.05% | 31.68% | 32.79% | +101 bps | |
| Net Worth / Assets | 31.78% | 32.05% | 31.05% | 31.68% | 32.79% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.51% | 15.61% | 14.63% | 14.87% | 17.11% | +261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |