Steamboat Spg, CO · Charter 16090
NCUA · 1 branch
Q3 2023
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.44% | 0.58% | -0.20% | 0.18% | -17 bps | |
| Return on Equity | 3.49% | 4.23% | 5.62% | -1.82% | 1.55% | -194 bps | |
| Net Interest Margin | 3.33% | 3.54% | 3.62% | 3.93% | 3.70% | +38 bps | |
| Efficiency Ratio | 90.07% | 88.33% | 84.54% | 105.04% | 95.41% | +534 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.36% | -14.36% | -4.53% | -13.45% | -10.04% | +832 bps | |
| Loan Growth (YoY) | -5.20% | -5.91% | -0.55% | -9.64% | -15.37% | -1,016 bps | |
| Share Growth (YoY) | -20.10% | -15.83% | -14.20% | -15.29% | -14.22% | +588 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 2.86% | 4.70% | 4.99% | 4.70% | +340 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 1.22% | 1.22% | 1.35% | 0.00% | -126 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.89% | 10.34% | 10.26% | 11.22% | 11.31% | +142 bps | |
| Net Worth / Assets | 9.89% | 10.34% | 10.26% | 11.22% | 11.31% | +142 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.81% | 44.30% | 47.87% | 44.77% | 41.25% | -56 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |