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UAW-CIO

Kansas City, KS · Charter 6779

NCUA · 1 branch

Q2 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: Q2 2022, the quarter ended June 30, 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

UAW-CIO

Kansas City, KS · Charter 6779

NCUA · 1 branch

Q2 2022

$5.9MAssets
$1.1MLoans
$5.5MShares
$394KNet 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 -1.98%, down 87 bps year over year; NIM at 1.60%.
  • Asset quality: problem loans at 7.91% of loans (-59 bps YoY).
  • Capital: net worth / assets of 6.67%, down 141 bps from a year ago.
  • Funding: loans stand at 20.78% of shares as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

-1.98%-87 bps YoY

Net Interest Margin (YTD, annualized)

1.60%-22 bps YoY

Efficiency Ratio (YTD, annualized)

185.61%+3,402 bps YoY

Net Worth / Assets

6.67%-141 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets-1.11%-1.07%-1.26%-2.09%-1.98%-87 bps
Return on Equity-13.78%-13.42%-16.40%-29.53%-29.77%-1,600 bps
Net Interest Margin1.82%1.87%1.80%1.66%1.60%-22 bps
Efficiency Ratio151.59%148.01%157.15%171.20%185.61%+3,402 bps
Growth
Asset Growth (YoY)7.51%5.53%-2.50%-5.45%-3.19%-1,070 bps
Loan Growth (YoY)-19.57%-23.47%-27.79%-26.38%-20.88%-131 bps
Share Growth (YoY)9.02%7.22%-1.23%-4.22%-1.53%-1,055 bps
Asset Quality
Delinquent Loans / Loans8.51%13.01%8.32%7.64%7.91%-59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.33%0.31%1.16%1.28%+5 bps
Capital
Risk-Based Capital8.07%7.99%7.67%7.07%6.67%-141 bps
Net Worth / Assets8.07%7.99%7.67%7.07%6.67%-141 bps
Liquidity & Funding
Loans / Shares25.86%24.58%23.44%22.00%20.78%-508 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps