Ylwstn Nat Pk, WY · Charter 2472
NCUA · 1 branch
Q4 2019
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.85% | 1.18% | 1.35% | 1.20% | +59 bps | |
| Return on Equity | 8.54% | 11.45% | 15.17% | 15.76% | 13.87% | +533 bps | |
| Net Interest Margin | 3.56% | 3.88% | 4.00% | 4.33% | 4.26% | +70 bps | |
| Efficiency Ratio | 87.00% | 82.60% | 77.71% | 76.03% | 78.23% | -877 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.33% | 3.50% | -3.70% | -8.75% | -3.58% | -490 bps | |
| Loan Growth (YoY) | 23.54% | 33.48% | 24.95% | 17.06% | -0.15% | -2,369 bps | |
| Share Growth (YoY) | 0.73% | 3.05% | -4.93% | -10.54% | -5.07% | -581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.00% | 0.00% | 0.30% | 1.34% | +124 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.59% | 0.58% | 0.61% | 0.61% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.19% | 7.46% | 7.76% | 8.56% | 8.66% | +147 bps | |
| Net Worth / Assets | 7.19% | 7.46% | 7.76% | 8.56% | 8.66% | +147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.44% | 60.97% | 61.34% | 62.25% | 61.47% | +303 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |