Council Bluffs, IA · Charter 65557
NCUA · 1 branch
Q1 2024
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.22% | 0.20% | 0.06% | -3.66% | -2.51% | -3.15% | 0.00% | -6 bps | |
| Return on Equity | 0.94% | 2.27% | 2.06% | 0.58% | -43.62% | -28.25% | -40.36% | 0.01% | -57 bps | |
| Net Interest Margin | 1.93% | 2.04% | 2.13% | 2.30% | 2.42% | 2.49% | 2.52% | 2.60% | +30 bps | |
| Efficiency Ratio | 96.33% | 91.42% | 90.38% | 97.91% | 224% | 177.50% | 199.43% | 99.97% | +206 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.29% | 1.94% | -1.01% | -4.50% | -7.11% | -9.87% | -9.89% | -9.34% | -484 bps | |
| Loan Growth (YoY) | 6.46% | 3.75% | 8.05% | 12.09% | 1.82% | -0.25% | -4.00% | -7.40% | -1,949 bps | |
| Share Growth (YoY) | 1.24% | 1.91% | -1.34% | -5.23% | -6.22% | -9.21% | -8.41% | -7.76% | -253 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 1.02% | 1.86% | 0.18% | 0.59% | 1.20% | 1.92% | 0.30% | +12 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 | 0.56% | 0.62% | 0.82% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.34% | 9.62% | 9.88% | 10.07% | 8.39% | 8.88% | 7.81% | 7.91% | -217 bps | |
| Net Worth / Assets | 9.34% | 9.62% | 9.88% | 10.07% | 8.39% | 8.88% | 7.81% | 7.91% | -217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.58% | 27.95% | 29.00% | 30.52% | 29.94% | 30.71% | 30.40% | 30.64% | +12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |