Billings, MT · Charter 16273
NCUA · 2 branches
Q3 2023
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | -0.68% | -0.60% | -2.22% | -2.18% | 0.21% | 0.43% | 0.32% | +254 bps | |
| Return on Equity | 24.41% | -10.99% | -9.90% | -48.94% | -52.92% | 5.07% | 10.08% | 7.45% | +5,639 bps | |
| Net Interest Margin | 3.57% | 3.43% | 3.45% | 3.45% | 3.45% | 3.05% | 3.04% | 2.98% | -47 bps | |
| Efficiency Ratio | 81.09% | 116.55% | 112.57% | 131.30% | 132.85% | 94.10% | 88.98% | 91.71% | -3,959 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.20% | 5.46% | 3.47% | 5.96% | 2.96% | 1.58% | 1.89% | -0.75% | -672 bps | |
| Loan Growth (YoY) | 0.46% | 2.44% | -0.39% | 4.34% | 3.53% | 4.38% | 5.99% | 0.73% | -362 bps | |
| Share Growth (YoY) | 2.14% | 4.11% | 3.98% | 9.58% | 6.20% | 3.81% | 0.99% | -4.91% | -1,449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.99% | 1.78% | 2.53% | 1.37% | 1.75% | 1.38% | 1.59% | 1.56% | +19 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 | 0.35% | 0.29% | 0.28% | 0.63% | 0.50% | 0.00% | 0.00% | 0.00% | -63 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.50% | 6.21% | 6.04% | 4.53% | 4.13% | 4.16% | 4.29% | 4.32% | -21 bps | |
| Net Worth / Assets | 6.50% | 6.21% | 6.04% | 4.53% | 4.13% | 4.16% | 4.29% | 4.32% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.73% | 78.73% | 78.15% | 79.13% | 78.70% | 79.16% | 82.02% | 83.82% | +469 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |