Ness City, KS · Charter 67810
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 | -0.09% | -0.20% | -0.24% | -0.15% | -0.38% | -0.05% | -0.02% | 0.21% | +37 bps | |
| Return on Equity | -0.97% | -2.08% | -2.54% | -1.62% | -4.65% | -0.67% | -0.27% | 2.57% | +418 bps | |
| Net Interest Margin | 1.52% | 1.57% | 1.53% | 1.45% | 1.30% | 1.30% | 1.38% | 1.64% | +19 bps | |
| Efficiency Ratio | 104.97% | 111.09% | 113.64% | 108.35% | 125.88% | 103.19% | 101.25% | 89.30% | -1,906 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.06% | 5.43% | 5.08% | 5.95% | 5.65% | 12.06% | 17.36% | 7.02% | +107 bps | |
| Loan Growth (YoY) | -11.74% | -11.21% | -6.43% | -7.41% | -11.03% | -7.82% | -14.81% | -8.05% | -63 bps | |
| Share Growth (YoY) | 15.34% | 6.01% | 5.38% | 6.59% | 6.91% | 13.95% | 20.26% | 8.06% | +147 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.24% | 1.29% | 1.27% | 1.15% | 1.22% | 1.22% | 1.29% | 1.25% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.29% | 9.55% | 9.53% | 9.47% | 8.22% | 8.10% | 7.79% | 8.37% | -110 bps | |
| Net Worth / Assets | 9.29% | 9.55% | 9.53% | 9.47% | 8.22% | 8.10% | 7.79% | 8.37% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.08% | 29.20% | 30.11% | 27.32% | 24.20% | 23.63% | 21.33% | 23.24% | -407 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |