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Great Falls Teachers

Great Falls, MT · Charter 1104

NCUA · 2 branches

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

Great Falls Teachers

Great Falls, MT · Charter 1104

NCUA · 2 branches

Q2 2022

$134.8MAssets
$68.8MLoans
$121.7MShares
$15.2MNet 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 0.33%, down 44 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.82% of loans (+58 bps YoY).
  • Capital: net worth / assets of 11.25%, up 52 bps from a year ago.
  • Funding: loans stand at 56.51% of shares as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

0.33%-44 bps YoY

Net Interest Margin (YTD, annualized)

2.48%-9 bps YoY

Efficiency Ratio (YTD, annualized)

91.72%+1,186 bps YoY

Net Worth / Assets

11.25%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets0.77%0.83%0.84%-0.33%0.33%-44 bps
Return on Equity7.20%7.45%7.58%-3.05%2.97%-423 bps
Net Interest Margin2.57%2.57%2.50%2.35%2.48%-9 bps
Efficiency Ratio79.87%80.92%81.26%101.46%91.72%+1,186 bps
Growth
Asset Growth (YoY)8.89%9.82%10.48%3.92%1.03%-786 bps
Loan Growth (YoY)-0.90%-2.80%-5.84%-0.41%3.16%+406 bps
Share Growth (YoY)10.07%10.56%11.56%4.84%2.78%-730 bps
Asset Quality
Delinquent Loans / Loans0.23%0.67%0.53%0.14%0.82%+58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.84%0.74%0.58%0.60%0.42%-42 bps
Capital
Risk-Based Capital10.73%11.07%11.11%10.81%11.25%+52 bps
Net Worth / Assets10.73%11.07%11.11%10.81%11.25%+52 bps
Liquidity & Funding
Loans / Shares56.30%56.01%53.47%53.97%56.51%+21 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps