Keokuk, IA · Charter 65391
NCUA · 1 branch
Q4 2022
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Keokuk, IA · Charter 65391
NCUA · 1 branch
Q4 2022
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | -0.23% | -0.26% | -0.17% | -1.18% | -1.06% | -1.01% | -1.72% | -155 bps | |
| Return on Equity | -1.70% | -0.78% | -0.87% | -0.56% | -3.83% | -3.29% | -3.08% | -5.45% | -489 bps | |
| Net Interest Margin | 2.06% | 2.00% | 2.10% | 2.17% | 2.08% | 2.13% | 2.24% | 2.25% | +8 bps | |
| Efficiency Ratio | 97.13% | 99.16% | 104.29% | 107.06% | 109.98% | 118.96% | 122.78% | 156.33% | +4,926 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.56% | 1.28% | 1.28% | -5.18% | -5.56% | -8.63% | -9.48% | -6.53% | -135 bps | |
| Loan Growth (YoY) | -11.34% | -9.83% | -6.91% | -3.79% | -0.25% | -7.14% | -5.87% | -15.68% | -1,188 bps | |
| Share Growth (YoY) | 10.78% | 3.14% | 2.85% | -7.15% | -7.50% | -11.64% | -12.57% | -6.96% | +19 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.31% | 4.64% | 5.39% | 5.81% | 6.26% | 6.92% | 7.86% | 11.67% | +586 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 | 4.52% | 4.26% | 4.35% | 3.76% | 4.07% | 4.47% | 4.36% | 4.96% | +120 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.46% | 29.81% | 30.27% | 31.20% | 30.86% | 32.04% | 32.71% | 31.66% | +46 bps | |
| Net Worth / Assets | 29.46% | 29.81% | 30.27% | 31.20% | 30.86% | 32.04% | 32.71% | 31.66% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.19% | 37.34% | 37.47% | 40.88% | 37.95% | 39.24% | 40.34% | 37.05% | -383 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |