Casper, WY · Charter 1748
NCUA · 5 branches
Q1 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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.33% | 2.44% | 2.57% | 2.77% | 3.28% | +95 bps | |
| Efficiency Ratio | 98.56% | 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 / Loans | 0.14% | 0.31% | 0.37% | 0.37% | 0.18% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.18% | 0.16% | 0.15% | 0.15% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.57% | 8.69% | 8.76% | 8.24% | 8.41% | -17 bps | |
| Net Worth / Assets | 8.57% | 8.69% | 8.76% | 8.24% | 8.41% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.67% | 61.90% | 63.12% | 65.86% | 64.76% | +509 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |