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Universal

Independence, KS · Charter 64979

NCUA · 1 branch

Q2 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: Q2 2022, the quarter ended June 30, 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

Universal

Independence, KS · Charter 64979

NCUA · 1 branch

Q2 2022

$781KAssets
$353KLoans
$633KShares
$148KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -4.01%, down 394 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 5.22% of loans (+235 bps YoY).
  • Capital: net worth / assets of 18.92%, down 1,077 bps from a year ago.
  • Funding: loans stand at 55.72% of shares as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

-4.01%-394 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+96 bps YoY

Efficiency Ratio (YTD, annualized)

190.74%+8,856 bps YoY

Net Worth / Assets

18.92%-1,077 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets-0.07%0.08%-0.29%-1.29%-4.01%-394 bps
Return on Equity-0.24%0.27%-0.97%-3.92%-21.18%-2,093 bps
Net Interest Margin3.09%3.05%3.12%2.86%4.06%+96 bps
Efficiency Ratio102.18%97.59%108.60%140.82%190.74%+8,856 bps
Growth
Asset Growth (YoY)2.54%4.47%2.65%-11.50%-34.91%-3,745 bps
Loan Growth (YoY)-18.62%-12.44%-11.98%-16.30%-12.07%+655 bps
Share Growth (YoY)6.36%6.77%4.33%-15.76%-24.86%-3,122 bps
Asset Quality
Delinquent Loans / Loans2.87%2.82%3.02%13.81%5.22%+235 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.04%2.63%2.87%3.23%3.30%-73 bps
Capital
Risk-Based Capital29.69%29.40%29.70%33.02%18.92%-1,077 bps
Net Worth / Assets29.69%29.40%29.70%33.02%18.92%-1,077 bps
Liquidity & Funding
Loans / Shares47.61%48.60%48.62%50.86%55.72%+811 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps