Shenandoah, IA · Charter 65445
NCUA · 1 branch
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.66% | -1.04% | -1.10% | -0.81% | -0.20% | 0.04% | -1.10% | 0.30% | +112 bps | |
| Return on Equity | -6.98% | -5.15% | -5.53% | -4.19% | -1.12% | 0.24% | -5.53% | 1.57% | +576 bps | |
| Net Interest Margin | 4.31% | 4.20% | 4.13% | 4.13% | 4.39% | 4.55% | 4.13% | 5.16% | +103 bps | |
| Efficiency Ratio | 138.07% | 124.63% | 126.17% | 119.44% | 104.54% | 99.05% | 126.17% | 94.19% | -2,525 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.32% | 26.88% | 22.93% | 21.76% | 27.16% | 9.29% | 0.00% | 2.38% | -1,937 bps | |
| Loan Growth (YoY) | 19.93% | 24.19% | 12.56% | 13.76% | 26.78% | 21.84% | 0.00% | 5.84% | -793 bps | |
| Share Growth (YoY) | 13.38% | 40.48% | 33.66% | 30.64% | 36.72% | 12.34% | 0.00% | 2.98% | -2,766 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.69% | 2.06% | 1.53% | 1.02% | 0.65% | 3.03% | 1.53% | 5.31% | +429 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 | 4.12% | 3.86% | 3.80% | 3.52% | 3.33% | 3.08% | 3.80% | 3.36% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.72% | 20.17% | 19.82% | 19.42% | 18.17% | 18.19% | 19.82% | 19.27% | -15 bps | |
| Net Worth / Assets | 23.72% | 20.17% | 19.82% | 19.42% | 18.17% | 18.19% | 19.82% | 19.27% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 118.49% | 106.29% | 105.13% | 109.38% | 109.88% | 115.27% | 105.13% | 112.41% | +303 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |