Truro, IA · Charter 64351
NCUA · 1 branch
Q2 2023
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.17% | 0.41% | 0.58% | 0.66% | 0.00% | 1.22% | 1.24% | +66 bps | |
| Return on Equity | 2.62% | 0.52% | 1.28% | 1.83% | 2.05% | 0.00% | 3.85% | 3.80% | +197 bps | |
| Net Interest Margin | 2.20% | 1.86% | 1.84% | 1.96% | 2.08% | 1.65% | 2.59% | 2.64% | +69 bps | |
| Efficiency Ratio | 63.84% | 84.35% | 77.67% | 70.36% | 68.43% | 100.00% | 52.82% | 52.93% | -1,743 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.38% | -12.80% | -8.38% | -3.67% | -4.98% | 4.48% | 1.82% | -2.11% | +157 bps | |
| Loan Growth (YoY) | -21.21% | -22.30% | -25.04% | -19.57% | -5.33% | -17.90% | -3.43% | 12.58% | +3,216 bps | |
| Share Growth (YoY) | -7.68% | -18.02% | -11.75% | -5.04% | -7.18% | 6.09% | 1.44% | -4.56% | +49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 16.09% | 15.54% | 18.33% | 19.39% | 18.11% | 18.92% | 18.98% | 17.22% | -217 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.42% | 32.44% | 32.05% | 31.78% | 32.05% | 31.05% | 31.68% | 32.79% | +101 bps | |
| Net Worth / Assets | 30.42% | 32.44% | 32.05% | 31.78% | 32.05% | 31.05% | 31.68% | 32.79% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.31% | 18.90% | 15.62% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |