Topeka, KS · Charter 65282
NCUA · 10 branches
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.98% | 0.89% | 0.95% | 0.52% | 0.65% | 0.69% | 0.92% | -3 bps | |
| Return on Equity | 5.81% | 9.51% | 8.58% | 8.99% | 5.03% | 6.14% | 6.52% | 8.33% | -66 bps | |
| Net Interest Margin | 2.53% | 2.70% | 2.72% | 2.81% | 2.80% | 2.94% | 2.98% | 3.09% | +29 bps | |
| Efficiency Ratio | 85.09% | 81.72% | 82.60% | 82.01% | 86.52% | 83.46% | 82.17% | 81.51% | -50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.40% | 10.88% | 12.13% | 9.13% | 5.03% | 4.79% | 6.07% | 4.33% | -480 bps | |
| Loan Growth (YoY) | 6.59% | 7.58% | 7.81% | 7.76% | 8.42% | 8.47% | 10.74% | 10.86% | +310 bps | |
| Share Growth (YoY) | 22.64% | 11.49% | 12.43% | 9.71% | 5.45% | 6.13% | 6.26% | 3.64% | -607 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.28% | 0.30% | 0.28% | 0.26% | 0.31% | 0.27% | 0.35% | +7 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 | 0.89% | 0.78% | 0.74% | 0.70% | 0.69% | 0.73% | 0.75% | 0.51% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.88% | 10.32% | 10.34% | 10.59% | 10.32% | 10.63% | 10.54% | 11.07% | +48 bps | |
| Net Worth / Assets | 9.88% | 10.32% | 10.34% | 10.59% | 10.32% | 10.63% | 10.54% | 11.07% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.11% | 85.63% | 86.04% | 86.36% | 83.39% | 87.52% | 89.66% | 92.37% | +602 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |