Billings, MT · Charter 24409
NCUA · 1 branch
Q3 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.00% | 2.35% | 0.19% | 0.43% | -0.23% | -8.66% | -6.06% | -6.49% | -692 bps | |
| Return on Equity | -41.92% | 31.26% | 2.73% | 5.90% | -3.06% | -149.24% | -124.78% | -166.09% | -17,199 bps | |
| Net Interest Margin | 4.94% | 4.75% | 4.46% | 4.36% | 4.80% | 5.03% | 4.66% | 4.97% | +62 bps | |
| Efficiency Ratio | 80.83% | 78.73% | 85.76% | 85.40% | 84.85% | 88.28% | 92.41% | 99.98% | +1,457 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.05% | 11.77% | 14.99% | 3.08% | -5.42% | -15.45% | -14.30% | -23.56% | -2,664 bps | |
| Loan Growth (YoY) | 25.79% | 8.61% | 4.46% | -6.51% | -12.38% | -13.51% | -20.17% | -22.46% | -1,596 bps | |
| Share Growth (YoY) | 18.67% | 16.29% | 19.32% | 5.24% | -5.61% | -14.04% | -12.40% | -19.17% | -2,441 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.75% | 0.93% | 2.27% | 2.68% | 1.76% | 4.21% | 6.42% | +415 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 | 2.72% | 2.53% | 2.27% | 2.22% | 2.39% | 3.70% | 4.44% | 5.40% | +319 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.16% | 7.51% | 7.06% | 7.24% | 7.35% | 5.80% | 4.86% | 3.91% | -333 bps | |
| Net Worth / Assets | 7.16% | 7.51% | 7.06% | 7.24% | 7.35% | 5.80% | 4.86% | 3.91% | -333 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.34% | 97.24% | 95.68% | 91.14% | 96.85% | 97.83% | 87.20% | 87.42% | -372 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |