Green River, WY · Charter 18025
NCUA · 1 branch
Q2 2021
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.19% | 0.07% | 0.40% | 0.32% | 0.28% | 0.26% | -0.38% | -0.49% | -81 bps | |
| Return on Equity | -2.62% | 1.02% | 5.77% | 4.84% | 4.22% | 4.04% | -6.65% | -8.51% | -1,335 bps | |
| Net Interest Margin | 3.38% | 3.34% | 3.10% | 2.88% | 2.75% | 2.57% | 1.80% | 1.73% | -114 bps | |
| Efficiency Ratio | 86.65% | 85.55% | 90.83% | 92.02% | 92.91% | 93.04% | 113.61% | 117.40% | +2,538 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.87% | 3.31% | 2.26% | 12.21% | 14.38% | 16.29% | 21.51% | 13.71% | +149 bps | |
| Loan Growth (YoY) | 6.49% | 2.44% | 0.79% | -12.33% | -13.38% | -15.08% | -18.15% | -16.56% | -423 bps | |
| Share Growth (YoY) | -0.39% | 3.76% | 2.20% | 12.55% | 15.01% | 17.10% | 23.36% | 15.18% | +263 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.00% | 0.05% | 0.05% | 0.13% | 0.00% | 0.00% | 0.07% | +2 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 | 0.70% | 0.75% | 0.97% | 1.00% | 1.00% | 1.04% | 1.11% | 1.17% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.09% | 7.18% | 6.95% | 6.69% | 6.60% | 6.43% | 5.78% | 5.74% | -95 bps | |
| Net Worth / Assets | 7.09% | 7.18% | 6.95% | 6.69% | 6.60% | 6.43% | 5.78% | 5.74% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.68% | 52.36% | 48.30% | 43.24% | 41.94% | 37.96% | 32.05% | 31.32% | -1,192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |