Waterloo, IA · Charter 64790
NCUA · 1 branch
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.40% | 0.40% | 0.06% | 0.54% | 0.52% | 0.85% | 0.42% | +36 bps | |
| Return on Equity | 2.46% | 1.82% | 1.83% | 0.27% | 2.59% | 2.56% | 4.03% | 2.69% | +242 bps | |
| Net Interest Margin | 3.60% | 3.40% | 3.43% | 3.03% | 3.54% | 3.25% | 3.60% | 3.78% | +75 bps | |
| Efficiency Ratio | 85.22% | 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 / Loans | 0.14% | 0.24% | 0.92% | 0.00% | 1.20% | 0.00% | 3.08% | 5.30% | +530 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 | 12.11% | 11.51% | 10.41% | 9.55% | 9.79% | 10.32% | 9.29% | 9.59% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.14% | 22.16% | 22.02% | 21.34% | 20.88% | 20.30% | 21.02% | 15.53% | -580 bps | |
| Net Worth / Assets | 22.14% | 22.16% | 22.02% | 21.34% | 20.88% | 20.30% | 21.02% | 15.53% | -580 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.26% | 51.81% | 56.19% | 54.66% | 51.25% | 47.42% | 50.76% | 54.53% | -12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |