Waterloo, IA · Charter 64390
NCUA · 2 branches
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.16% | 0.12% | 0.76% | 0.38% | 0.27% | 0.12% | 0.19% | -57 bps | |
| Return on Equity | 1.67% | 1.22% | 0.93% | 5.87% | 2.90% | 2.10% | 0.91% | 1.49% | -438 bps | |
| Net Interest Margin | 1.75% | 1.69% | 1.59% | 1.37% | 1.37% | 1.41% | 1.44% | 1.69% | +32 bps | |
| Efficiency Ratio | 88.37% | 91.22% | 93.19% | 67.63% | 80.66% | 85.24% | 93.52% | 89.44% | +2,181 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.16% | 1.13% | 4.24% | 6.26% | 5.66% | 5.28% | 3.05% | 2.31% | -395 bps | |
| Loan Growth (YoY) | -0.57% | -4.07% | -2.08% | -0.68% | -2.67% | 0.12% | -1.98% | -4.17% | -350 bps | |
| Share Growth (YoY) | -0.56% | 1.02% | 4.75% | 6.94% | 6.54% | 5.92% | 3.28% | 2.53% | -440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.25% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.49% | 13.40% | 13.02% | 12.96% | 12.96% | 12.94% | 12.75% | 12.64% | -32 bps | |
| Net Worth / Assets | 13.49% | 13.40% | 13.02% | 12.96% | 12.96% | 12.94% | 12.75% | 12.64% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.36% | 43.18% | 41.94% | 41.01% | 40.52% | 40.82% | 39.80% | 38.33% | -268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |