Enterprise, KS · Charter 68407
NCUA · 1 branch
Q4 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | -1.64% | -1.94% | -1.34% | -0.95% | -188 bps | |
| Return on Equity | 11.99% | -24.38% | -29.25% | -18.42% | -13.57% | -2,556 bps | |
| Net Interest Margin | 4.62% | 4.16% | 4.43% | 4.90% | 4.73% | +11 bps | |
| Efficiency Ratio | 87.22% | 127.02% | 129.98% | 118.99% | 114.24% | +2,702 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.56% | -2.84% | -4.33% | -15.08% | -3.11% | +645 bps | |
| Loan Growth (YoY) | 3.29% | -5.35% | -4.08% | -3.50% | -11.00% | -1,430 bps | |
| Share Growth (YoY) | -11.59% | -7.62% | -5.76% | -17.12% | 0.20% | +1,179 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 0.51% | 0.62% | 0.63% | 2.50% | +164 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.98% | 3.02% | 3.00% | 3.00% | 2.72% | -26 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.71% | 6.72% | 6.65% | 7.29% | 7.01% | -70 bps | |
| Net Worth / Assets | 7.71% | 6.72% | 6.65% | 7.29% | 7.01% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.35% | 87.30% | 89.58% | 98.11% | 82.91% | -1,044 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |