Harlan, IA · Charter 65168
NCUA · 2 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
8
Profitability
17
Liquidity
62
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Harlan, IA · Charter 65168
NCUA · 2 branches
Q3 2024
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | -0.31% | 1.27% | 1.07% | -1.67% | -0.38% | -3.78% | -4.80% | -587 bps | |
| Return on Equity | 7.23% | -3.45% | 14.01% | 11.80% | -22.02% | -6.00% | -66.98% | -110.12% | -12,191 bps | |
| Net Interest Margin | 4.32% | 4.26% | 4.18% | 4.10% | 4.54% | 3.67% | 3.12% | 3.55% | -55 bps | |
| Efficiency Ratio | 83.64% | 73.71% | 75.51% | 78.40% | 93.27% | 108.14% | 129.20% | 131.15% | +5,275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.83% | 5.13% | 7.61% | 6.45% | -7.52% | -1.87% | -8.27% | -14.44% | -2,090 bps | |
| Loan Growth (YoY) | 18.41% | 13.12% | 7.18% | 2.99% | -4.61% | -7.33% | -10.66% | -12.96% | -1,595 bps | |
| Share Growth (YoY) | 5.00% | -0.50% | 2.13% | 1.29% | -3.88% | 4.24% | -1.17% | -5.34% | -662 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.46% | 1.18% | 1.42% | 0.90% | 0.83% | 0.64% | 0.62% | 3.02% | +212 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 | 0.81% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.55% | 8.96% | 9.07% | 9.11% | 7.58% | 6.40% | 5.65% | 4.36% | -475 bps | |
| Net Worth / Assets | 8.55% | 8.96% | 9.07% | 9.11% | 7.58% | 6.40% | 5.65% | 4.36% | -475 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.91% | 92.33% | 91.48% | 88.49% | 90.22% | 82.08% | 82.70% | 81.36% | -712 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Harlan, IA · Charter 65168 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 2 branches
Q3 2024
Return on Assets
-4.80%
Rank 1,742 of 1,761
Net Interest Margin
3.55%
Rank 924 of 1,761
Efficiency Ratio
131.20%
Rank 1,721 of 1,754
Equity / Assets
4.36%
Rank 1,754 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -4.80% | 0.26% | 0.70% | 1.22% | Beats 1% | 1,742 / 1,761 | ||
| Return on Equity | -110.15% | 2.09% | 5.52% | 9.08% | Beats 1% | 1,751 / 1,761 | ||
| Net Interest Margin | 3.55% | 3.03% | 3.59% | 4.25% | Beats 48% | 924 / 1,761 | ||
| Efficiency Ratio | 131.20% | 68.95% | 77.94% | 87.14% | Beats 2% | 1,721 / 1,754 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.02% | 0.26% | 0.65% | 1.27% | Beats 8% | 1,616 / 1,757 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 4.36% | 10.05% | 12.42% | 15.87% | Beats 0% | 1,754 / 1,761 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 4.36% | 10.05% | 12.42% | 15.87% | Beats 0% | 1,754 / 1,761 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.36% | 56.21% | 73.13% | 85.64% | 65th pctl | 611 / 1,759 | ||
| Loans / Assets | 76.89% | 47.85% | 62.48% | 73.19% | 83rd pctl | 298 / 1,761 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||