St. Francis, KS · Charter 67988
NCUA · 1 branch
Q2 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | -0.21% | -9.68% | 0.03% | 0.23% | -0.60% | -0.24% | -4.94% | -497 bps | |
| Return on Equity | -2.58% | -0.84% | -52.28% | 0.15% | 1.22% | -3.24% | -1.39% | -31.15% | -3,130 bps | |
| Net Interest Margin | 2.43% | 2.13% | -2.00% | 0.79% | 0.77% | 0.73% | 0.55% | 0.61% | -17 bps | |
| Efficiency Ratio | 126.16% | 109.73% | n/a | 97.94% | 80.60% | 157.11% | 143.96% | 905% | +80,706 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.59% | 23.02% | 47.38% | 51.37% | 29.41% | 23.65% | -0.52% | -4.80% | -5,617 bps | |
| Loan Growth (YoY) | -47.92% | -57.19% | -75.62% | -50.66% | -56.41% | -57.77% | -21.71% | -16.21% | +3,445 bps | |
| Share Growth (YoY) | 27.60% | 35.38% | 69.80% | 76.62% | 39.80% | 34.24% | 0.85% | -1.26% | -7,788 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 17.21% | 31.85% | 15.19% | 20.16% | 27.48% | 32.69% | 14.63% | -56 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 | 12.50% | 16.50% | 36.39% | 21.60% | 28.67% | 39.07% | 46.48% | 25.78% | +418 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.92% | 25.01% | 18.52% | 18.89% | 18.89% | 18.59% | 17.51% | 15.87% | -302 bps | |
| Net Worth / Assets | 24.92% | 25.01% | 18.52% | 18.89% | 18.89% | 18.59% | 17.51% | 15.87% | -302 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.22% | 21.07% | 6.84% | 11.78% | 8.80% | 6.63% | 5.31% | 10.00% | -178 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |