PackageTrendsPeer
Letter portraitLegal landscape

City and County Employees

Fargo, ND · Charter 61390

NCUA · 1 branch

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

City and County Employees

Fargo, ND · Charter 61390

NCUA · 1 branch

Q4 2022

$17.1MAssets
$7.2MLoans
$15.4MShares
$1.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.43%, up 30 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 0.11% of loans (+9 bps YoY).
  • Capital: net worth / assets of 9.35%, up 28 bps from a year ago.
  • Funding: loans stand at 46.42% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

0.43%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.17%+25 bps YoY

Efficiency Ratio (YTD, annualized)

83.12%-943 bps YoY

Net Worth / Assets

9.35%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.11%0.22%0.17%0.14%0.12%0.18%0.40%0.43%+30 bps
Return on Equity1.15%2.36%1.87%1.53%1.33%2.07%4.29%4.65%+312 bps
Net Interest Margin2.15%2.12%2.02%1.93%1.84%1.86%2.04%2.17%+25 bps
Efficiency Ratio91.84%88.26%90.78%92.55%94.21%91.46%83.59%83.12%-943 bps
Growth
Asset Growth (YoY)15.01%6.11%7.69%9.16%2.45%7.18%2.78%1.71%-745 bps
Loan Growth (YoY)-5.17%-3.12%-1.24%2.82%9.09%10.39%12.01%12.52%+970 bps
Share Growth (YoY)16.53%6.81%8.59%9.99%2.61%7.40%2.77%1.32%-867 bps
Asset Quality
Delinquent Loans / Loans1.62%2.00%0.28%0.02%0.04%0.05%0.08%0.11%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.13%2.12%2.16%2.15%2.05%1.99%1.94%0.00%-215 bps
Capital
Risk-Based Capital9.16%9.44%9.25%9.07%9.08%8.93%9.31%9.35%+28 bps
Net Worth / Assets9.16%9.44%9.25%9.07%9.08%8.93%9.31%9.35%+28 bps
Liquidity & Funding
Loans / Shares41.18%43.03%42.56%41.80%43.78%44.23%46.39%46.42%+462 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps