PackageTrendsPeer
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Bluestem Community

El Dorado, KS · Charter 68411

NCUA · 1 branch

Q3 2023

$11.1MAssets
$6.8MLoans
$10.0MShares
$1.1MNet 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 0.82%, up 84 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.19% of loans (+19 bps YoY).
  • Capital: net worth / assets of 10.00%, up 123 bps from a year ago.
  • Funding: loans stand at 68.48% of shares as of Q3 2023.

Financial Results

Return on Assets (quarter, annualized)

0.82%+84 bps YoY

Net Interest Margin (quarter, annualized)

4.10%+90 bps YoY

Efficiency Ratio (quarter, annualized)

82.81%-1,766 bps YoY

Net Worth / Assets

10.00%+123 bps YoY

Discrete quarter, annualized.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets-0.02%0.12%0.49%0.75%0.82%+84 bps
Return on Equity-0.21%1.33%5.68%8.08%8.19%+840 bps
Net Interest Margin3.20%3.23%3.51%3.86%4.10%+90 bps
Efficiency Ratio100.47%97.03%87.87%83.06%82.81%-1,766 bps
Growth
Asset Growth (YoY)-4.81%-3.97%-1.80%-4.75%-5.17%-36 bps
Loan Growth (YoY)18.77%21.95%18.23%21.98%12.68%-610 bps
Share Growth (YoY)-5.60%-4.45%-2.43%-6.43%-5.80%-20 bps
Asset Quality
Delinquent Loans / Loans0.00%0.07%0.05%0.01%0.19%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.33%0.25%0.00%0.00%0.00%-33 bps
Capital
Risk-Based Capital8.77%8.81%8.69%9.30%10.00%+123 bps
Net Worth / Assets8.77%8.81%8.69%9.30%10.00%+123 bps
Liquidity & Funding
Loans / Shares57.25%61.08%60.65%65.60%68.48%+1,123 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps