PackageTrendsPeer
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White Crown

Denver, CO · Charter 7418

NCUA · 1 branch

Q2 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2022, the quarter ended June 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

White Crown

Denver, CO · Charter 7418

NCUA · 1 branch

Q2 2022

$68.5MAssets
$39.6MLoans
$63.2MShares
$6.5MNet Worth

Executive Summary

  • Earnings: ROA of -0.38%, down 28 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.03% of loans (+1 bps YoY).
  • Capital: net worth / assets of 9.55%, up 51 bps from a year ago.
  • Funding: loans stand at 62.68% of shares as of Q2 2022.

Return on Assets (YTD, annualized)

-0.38%-28 bps YoY

Net Interest Margin (YTD, annualized)

2.36%+17 bps YoY

Efficiency Ratio (YTD, annualized)

115.72%+1,194 bps YoY

Net Worth / Assets

9.55%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets-0.14%-0.01%-0.23%-0.10%0.32%0.40%-0.41%-0.38%-28 bps
Return on Equity-1.48%-0.07%-2.51%-1.15%3.45%4.13%-4.32%-4.03%-288 bps
Net Interest Margin2.51%2.44%2.22%2.19%2.32%2.29%2.31%2.36%+17 bps
Efficiency Ratio104.66%100.20%108.36%103.78%89.76%87.07%117.11%115.72%+1,194 bps
Growth
Asset Growth (YoY)9.34%11.18%11.47%8.44%5.22%1.98%0.15%-2.60%-1,104 bps
Loan Growth (YoY)12.47%14.29%14.27%7.93%0.35%-2.78%-2.65%-2.04%-997 bps
Share Growth (YoY)9.44%11.71%13.66%9.15%5.77%2.17%0.60%-1.88%-1,104 bps
Asset Quality
Delinquent Loans / Loans0.14%0.14%0.11%0.02%0.04%0.21%0.03%0.03%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.98%0.94%0.98%0.93%0.92%0.95%0.96%0.92%-1 bps
Capital
Risk-Based Capital9.57%9.35%9.13%9.05%9.42%9.57%9.47%9.55%+51 bps
Net Worth / Assets9.57%9.35%9.13%9.05%9.42%9.57%9.47%9.55%+51 bps
Liquidity & Funding
Loans / Shares69.27%68.08%63.48%62.78%65.72%64.78%61.43%62.68%-10 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%99.72%0.00%0 bps