Rapid City, SD · Charter 18057
NCUA · 1 branch
Q2 2020
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.46% | 0.07% | 0.17% | 0.19% | 0.17% | 0.27% | 0.24% | +7 bps | |
| Return on Equity | 4.82% | 6.41% | 0.96% | 2.19% | 2.41% | 2.27% | 3.59% | 3.29% | +110 bps | |
| Net Interest Margin | 3.86% | 3.58% | 3.71% | 3.83% | 3.92% | 3.74% | 3.54% | 3.37% | -46 bps | |
| Efficiency Ratio | 93.28% | 91.10% | 98.18% | 96.68% | 96.58% | 96.57% | 93.91% | 94.68% | -200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.65% | 6.22% | 4.00% | -3.32% | -2.76% | -5.78% | 3.06% | 7.34% | +1,066 bps | |
| Loan Growth (YoY) | -0.32% | -6.73% | -7.60% | -9.81% | -9.57% | -4.55% | -1.55% | -1.80% | +801 bps | |
| Share Growth (YoY) | 0.54% | 6.40% | 3.78% | -2.92% | -2.34% | -5.24% | 4.58% | 7.84% | +1,076 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | -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 | 0.04% | 0.04% | 0.05% | 0.05% | 0.06% | 0.04% | 0.04% | 0.04% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.50% | 7.19% | 7.48% | 7.79% | 8.00% | 7.64% | 7.40% | 7.39% | -40 bps | |
| Net Worth / Assets | 7.50% | 7.19% | 7.48% | 7.79% | 8.00% | 7.64% | 7.40% | 7.39% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.47% | 81.75% | 84.64% | 84.72% | 85.62% | 82.35% | 79.68% | 77.14% | -758 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |