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Natrona County School Emp

Casper, WY · Charter 1748

NCUA · 5 branches

Q1 2023

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: Q1 2023, the quarter ended March 31, 2023, 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

Natrona County School Emp

Casper, WY · Charter 1748

NCUA · 5 branches

Q1 2023

$189.2MAssets
$113.5MLoans
$175.3MShares
$15.9MNet 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 0.97%, up 102 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.18% of loans (+4 bps YoY).
  • Capital: net worth / assets of 8.41%, down 17 bps from a year ago.
  • Funding: loans stand at 64.76% of shares as of Q1 2023.

Financial Results

Return on Assets (YTD, annualized)

0.97%+102 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+95 bps YoY

Efficiency Ratio (YTD, annualized)

78.04%-2,052 bps YoY

Net Worth / Assets

8.41%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets-0.05%0.30%0.42%-0.41%0.97%+102 bps
Return on Equity-0.55%3.45%4.76%-4.98%11.52%+1,207 bps
Net Interest Margin2.33%2.44%2.57%2.77%3.28%+95 bps
Efficiency Ratio98.56%93.22%89.74%109.47%78.04%-2,052 bps
Growth
Asset Growth (YoY)7.50%7.86%8.52%4.06%0.17%-733 bps
Loan Growth (YoY)8.57%8.75%8.28%10.46%8.42%-16 bps
Share Growth (YoY)8.67%9.37%10.82%5.13%-0.10%-878 bps
Asset Quality
Delinquent Loans / Loans0.14%0.31%0.37%0.37%0.18%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.28%0.18%0.16%0.15%0.15%-13 bps
Capital
Risk-Based Capital8.57%8.69%8.76%8.24%8.41%-17 bps
Net Worth / Assets8.57%8.69%8.76%8.24%8.41%-17 bps
Liquidity & Funding
Loans / Shares59.67%61.90%63.12%65.86%64.76%+509 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps