Dubuque, IA · Charter 65199
NCUA · 1 branch
Q2 2023
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 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.01% | 0.24% | 0.16% | -0.01% | 0.00% | -0.29% | 0.56% | +40 bps | |
| Return on Equity | 0.59% | 0.05% | 0.92% | 0.60% | -0.02% | 0.02% | -1.07% | 2.04% | +144 bps | |
| Net Interest Margin | 1.25% | 1.18% | 1.33% | 1.29% | 1.14% | 1.14% | 0.85% | 1.72% | +43 bps | |
| Efficiency Ratio | 87.60% | 98.79% | 81.74% | 87.49% | 100.50% | 99.56% | 133.81% | 67.47% | -2,002 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.74% | 0.44% | 3.42% | 1.52% | -3.90% | 2.23% | -2.52% | -0.63% | -215 bps | |
| Loan Growth (YoY) | -37.17% | -49.84% | -51.65% | -26.23% | 17.67% | 95.76% | 150.45% | 75.49% | +10,172 bps | |
| Share Growth (YoY) | 11.35% | 1.14% | 4.87% | 2.36% | -5.08% | 3.23% | -3.55% | -1.38% | -374 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 15.66% | 19.92% | 25.99% | 18.81% | 13.31% | 10.17% | 10.38% | 10.72% | -809 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.51% | 28.21% | 26.44% | 27.04% | 27.48% | 27.60% | 26.99% | 27.42% | +37 bps | |
| Net Worth / Assets | 26.51% | 28.21% | 26.44% | 27.04% | 27.48% | 27.60% | 26.99% | 27.42% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 10.22% | 8.79% | 6.14% | 8.74% | 12.67% | 16.68% | 15.94% | 15.55% | +681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |