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Kah

Keokuk, IA · Charter 65391

NCUA · 1 branch

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kah

Keokuk, IA · Charter 65391

NCUA · 1 branch

Q4 2022

$1.6MAssets
$394KLoans
$1.1MShares
$492KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.72%, down 155 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 11.67% of loans (+586 bps YoY).
  • Capital: net worth / assets of 31.66%, up 46 bps from a year ago.
  • Funding: loans stand at 37.05% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

-1.72%-155 bps YoY

Net Interest Margin (YTD, annualized)

2.25%+8 bps YoY

Efficiency Ratio (YTD, annualized)

156.33%+4,926 bps YoY

Net Worth / Assets

31.66%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-0.17%-1.18%-1.06%-1.01%-1.72%-155 bps
Return on Equity-0.56%-3.83%-3.29%-3.08%-5.45%-489 bps
Net Interest Margin2.17%2.08%2.13%2.24%2.25%+8 bps
Efficiency Ratio107.06%109.98%118.96%122.78%156.33%+4,926 bps
Growth
Asset Growth (YoY)-5.18%-5.56%-8.63%-9.48%-6.53%-135 bps
Loan Growth (YoY)-3.79%-0.25%-7.14%-5.87%-15.68%-1,188 bps
Share Growth (YoY)-7.15%-7.50%-11.64%-12.57%-6.96%+19 bps
Asset Quality
Delinquent Loans / Loans5.81%6.26%6.92%7.86%11.67%+586 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.76%4.07%4.47%4.36%4.96%+120 bps
Capital
Risk-Based Capital31.20%30.86%32.04%32.71%31.66%+46 bps
Net Worth / Assets31.20%30.86%32.04%32.71%31.66%+46 bps
Liquidity & Funding
Loans / Shares40.88%37.95%39.24%40.34%37.05%-383 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps