Harlan, IA · Charter 65168
NCUA · 2 branches
Q3 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |