Enterprise, KS · Charter 68407
NCUA · 1 branch
Q4 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | -0.26% | 0.60% | 0.92% | -1.64% | -1.94% | -1.34% | -0.95% | -188 bps | |
| Return on Equity | 5.99% | -4.13% | 9.39% | 11.99% | -24.38% | -29.25% | -18.42% | -13.57% | -2,556 bps | |
| Net Interest Margin | 3.81% | 4.10% | 4.02% | 4.62% | 4.16% | 4.43% | 4.90% | 4.73% | +11 bps | |
| Efficiency Ratio | 93.64% | 104.07% | 90.91% | 87.22% | 127.02% | 129.98% | 118.99% | 114.24% | +2,702 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.17% | -11.86% | 0.46% | -9.56% | -2.84% | -4.33% | -15.08% | -3.11% | +645 bps | |
| Loan Growth (YoY) | 47.66% | 18.31% | 10.72% | 3.29% | -5.35% | -4.08% | -3.50% | -11.00% | -1,430 bps | |
| Share Growth (YoY) | 4.89% | -9.81% | 1.06% | -11.59% | -7.62% | -5.76% | -17.12% | 0.20% | +1,179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.65% | 0.53% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.78% | 2.80% | 2.83% | 2.98% | 3.02% | 3.00% | 3.00% | 2.72% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.19% | 6.37% | 6.44% | 7.71% | 6.72% | 6.65% | 7.29% | 7.01% | -70 bps | |
| Net Worth / Assets | 6.19% | 6.37% | 6.44% | 7.71% | 6.72% | 6.65% | 7.29% | 7.01% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.21% | 88.01% | 84.26% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |