Independence, KS · Charter 64979
NCUA · 1 branch
Q2 2022
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.53% | -1.26% | -0.68% | -0.07% | 0.08% | -0.29% | -1.29% | -4.01% | -394 bps | |
| Return on Equity | -4.97% | -4.10% | -2.30% | -0.24% | 0.27% | -0.97% | -3.92% | -21.18% | -2,093 bps | |
| Net Interest Margin | 3.51% | 3.61% | 3.15% | 3.09% | 3.05% | 3.12% | 2.86% | 4.06% | +96 bps | |
| Efficiency Ratio | 88.80% | 94.54% | 119.90% | 102.18% | 97.59% | 108.60% | 140.82% | 190.74% | +8,856 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.07% | 15.33% | 3.49% | 2.54% | 4.47% | 2.65% | -11.50% | -34.91% | -3,745 bps | |
| Loan Growth (YoY) | -18.53% | -17.13% | -20.17% | -18.62% | -12.44% | -11.98% | -16.30% | -12.07% | +655 bps | |
| Share Growth (YoY) | 25.48% | 26.63% | 7.31% | 6.36% | 6.77% | 4.33% | -15.76% | -24.86% | -3,122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.26% | 4.72% | 3.05% | 2.87% | 2.82% | 3.02% | 13.81% | 5.22% | +235 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 | 3.48% | 3.51% | 3.76% | 4.04% | 2.63% | 2.87% | 3.23% | 3.30% | -73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.76% | 30.78% | 29.62% | 29.69% | 29.40% | 29.70% | 33.02% | 18.92% | -1,077 bps | |
| Net Worth / Assets | 30.76% | 30.78% | 29.62% | 29.69% | 29.40% | 29.70% | 33.02% | 18.92% | -1,077 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.26% | 57.63% | 51.19% | 47.61% | 48.60% | 48.62% | 50.86% | 55.72% | +811 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |