Great Falls, MT · Charter 1104
NCUA · 2 branches
Q2 2022
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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.83% | 0.84% | -0.33% | 0.33% | -44 bps | |
| Return on Equity | 7.20% | 7.45% | 7.58% | -3.05% | 2.97% | -423 bps | |
| Net Interest Margin | 2.57% | 2.57% | 2.50% | 2.35% | 2.48% | -9 bps | |
| Efficiency Ratio | 79.87% | 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 / Loans | 0.23% | 0.67% | 0.53% | 0.14% | 0.82% | +58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.74% | 0.58% | 0.60% | 0.42% | -42 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.73% | 11.07% | 11.11% | 10.81% | 11.25% | +52 bps | |
| Net Worth / Assets | 10.73% | 11.07% | 11.11% | 10.81% | 11.25% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.30% | 56.01% | 53.47% | 53.97% | 56.51% | +21 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |