Billings, MT · Charter 24214
NCUA · 8 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Billings, MT · Charter 24214
NCUA · 8 branches
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.96% | 0.95% | 0.90% | 1.12% | 1.18% | 1.10% | 1.14% | +23 bps | |
| Return on Equity | 8.32% | 8.51% | 8.30% | 8.16% | 9.73% | 10.20% | 9.41% | 9.79% | +163 bps | |
| Net Interest Margin | 3.63% | 3.61% | 3.66% | 3.60% | 3.71% | 3.71% | 3.71% | 3.76% | +15 bps | |
| Efficiency Ratio | 74.60% | 74.26% | 74.60% | 72.99% | 72.24% | 71.64% | 71.45% | 71.45% | -153 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.52% | 5.90% | 4.52% | 10.22% | 7.89% | 7.51% | 8.41% | 5.76% | -446 bps | |
| Loan Growth (YoY) | 5.28% | 5.98% | 7.75% | 9.31% | 10.71% | 11.57% | 11.43% | 11.17% | +186 bps | |
| Share Growth (YoY) | 2.89% | 6.65% | 4.79% | 10.29% | 7.56% | 6.78% | 8.13% | 4.80% | -549 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.76% | 0.65% | 0.41% | 0.55% | 0.83% | 0.79% | 0.69% | +29 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 | 0.76% | 0.77% | 0.78% | 0.80% | 0.77% | 0.77% | 0.79% | 0.80% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.28% | 11.29% | 11.50% | 11.08% | 11.49% | 11.61% | 11.71% | 11.61% | +53 bps | |
| Net Worth / Assets | 11.28% | 11.29% | 11.50% | 11.08% | 11.49% | 11.61% | 11.71% | 11.61% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.97% | 86.23% | 88.15% | 84.55% | 88.49% | 90.09% | 90.84% | 89.69% | +514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |