Libby, MT · Charter 11330
NCUA · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Libby, MT · Charter 11330
NCUA · 1 branch
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.16% | 0.28% | 0.22% | 0.27% | 0.60% | 0.90% | 0.67% | +45 bps | |
| Return on Equity | 4.90% | 1.77% | 3.26% | 2.53% | 3.27% | 7.25% | 10.18% | 6.76% | +423 bps | |
| Net Interest Margin | 4.32% | 4.02% | 3.90% | 4.03% | 4.10% | 4.02% | 4.21% | 4.81% | +79 bps | |
| Efficiency Ratio | 93.93% | 95.33% | 90.91% | 89.73% | 90.06% | 84.06% | 80.61% | 81.11% | -863 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.53% | 15.25% | 20.99% | 24.83% | 18.36% | 13.62% | 5.36% | -5.65% | -3,047 bps | |
| Loan Growth (YoY) | 1.95% | -2.45% | 0.10% | 6.48% | 4.71% | 11.21% | 9.53% | -1.48% | -797 bps | |
| Share Growth (YoY) | 6.73% | 16.92% | 23.10% | 27.59% | 20.32% | 14.35% | 5.09% | -6.94% | -3,453 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 1.91% | 1.67% | 2.16% | 0.60% | 0.56% | 1.04% | 1.39% | -77 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 | 1.29% | 1.19% | 1.25% | 1.09% | 1.05% | 1.00% | 0.99% | 1.42% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.75% | 8.96% | 8.61% | 8.72% | 8.42% | 8.33% | 8.85% | 9.92% | +119 bps | |
| Net Worth / Assets | 9.75% | 8.96% | 8.61% | 8.72% | 8.42% | 8.33% | 8.85% | 9.92% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.13% | 62.90% | 60.58% | 64.90% | 59.30% | 61.17% | 63.14% | 68.71% | +381 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |