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Green River U. P. Employees

Green River, WY · Charter 18025

NCUA · 1 branch

Q2 2021

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: Q2 2021, the quarter ended June 30, 2021, 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

Green River U. P. Employees

Green River, WY · Charter 18025

NCUA · 1 branch

Q2 2021

$15.3MAssets
$4.5MLoans
$14.4MShares
$877KNet 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 -0.49%, down 81 bps year over year; NIM at 1.73%.
  • Asset quality: problem loans at 0.07% of loans (+2 bps YoY).
  • Capital: net worth / assets of 5.74%, down 95 bps from a year ago.
  • Funding: loans stand at 31.32% of shares as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.49%-81 bps YoY

Net Interest Margin (YTD, annualized)

1.73%-114 bps YoY

Efficiency Ratio (YTD, annualized)

117.40%+2,538 bps YoY

Net Worth / Assets

5.74%-95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.32%0.28%0.26%-0.38%-0.49%-81 bps
Return on Equity4.84%4.22%4.04%-6.65%-8.51%-1,335 bps
Net Interest Margin2.88%2.75%2.57%1.80%1.73%-114 bps
Efficiency Ratio92.02%92.91%93.04%113.61%117.40%+2,538 bps
Growth
Asset Growth (YoY)12.21%14.38%16.29%21.51%13.71%+149 bps
Loan Growth (YoY)-12.33%-13.38%-15.08%-18.15%-16.56%-423 bps
Share Growth (YoY)12.55%15.01%17.10%23.36%15.18%+263 bps
Asset Quality
Delinquent Loans / Loans0.05%0.13%0.00%0.00%0.07%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.00%1.00%1.04%1.11%1.17%+17 bps
Capital
Risk-Based Capital6.69%6.60%6.43%5.78%5.74%-95 bps
Net Worth / Assets6.69%6.60%6.43%5.78%5.74%-95 bps
Liquidity & Funding
Loans / Shares43.24%41.94%37.96%32.05%31.32%-1,192 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps