PackageTrendsPeer
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Warren

Waterloo, IA · Charter 64790

NCUA · 1 branch

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Warren

Waterloo, IA · Charter 64790

NCUA · 1 branch

Q4 2022

$4.2MAssets
$2.0MLoans
$3.6MShares
$659KNet Worth

Executive Summary

  • Earnings: ROA of 0.42%, up 36 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 5.30% of loans (+530 bps YoY).
  • Capital: net worth / assets of 15.53%, down 580 bps from a year ago.
  • Funding: loans stand at 54.53% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

0.42%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+75 bps YoY

Efficiency Ratio (YTD, annualized)

90.25%-793 bps YoY

Net Worth / Assets

15.53%-580 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.54%0.40%0.40%0.06%0.54%0.52%0.85%0.42%+36 bps
Return on Equity2.46%1.82%1.83%0.27%2.59%2.56%4.03%2.69%+242 bps
Net Interest Margin3.60%3.40%3.43%3.03%3.54%3.25%3.60%3.78%+75 bps
Efficiency Ratio85.22%88.40%88.51%98.18%85.08%84.35%76.95%90.25%-793 bps
Growth
Asset Growth (YoY)9.52%3.55%4.20%6.15%6.36%9.86%6.79%-11.68%-1,782 bps
Loan Growth (YoY)9.11%18.78%25.98%18.12%12.54%3.06%-1.67%-5.27%-2,339 bps
Share Growth (YoY)12.48%4.50%5.30%7.90%8.17%12.59%8.85%-5.06%-1,296 bps
Asset Quality
Delinquent Loans / Loans0.14%0.24%0.92%0.00%1.20%0.00%3.08%5.30%+530 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans12.11%11.51%10.41%9.55%9.79%10.32%9.29%9.59%+5 bps
Capital
Risk-Based Capital22.14%22.16%22.02%21.34%20.88%20.30%21.02%15.53%-580 bps
Net Worth / Assets22.14%22.16%22.02%21.34%20.88%20.30%21.02%15.53%-580 bps
Liquidity & Funding
Loans / Shares49.26%51.81%56.19%54.66%51.25%47.42%50.76%54.53%-12 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps