Havre, MT · Charter 62658
NCUA · 5 branches
Q4 2022
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Havre, MT · Charter 62658
NCUA · 5 branches
Q4 2022
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | -0.38% | -0.38% | -0.10% | 0.16% | +5 bps | |
| Return on Equity | 1.75% | -6.03% | -6.09% | -1.59% | 2.46% | +71 bps | |
| Net Interest Margin | 1.77% | 1.69% | 1.82% | 2.05% | 2.31% | +54 bps | |
| Efficiency Ratio | 96.44% | 114.53% | 114.20% | 103.45% | 95.11% | -133 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.21% | 7.97% | 7.66% | 5.76% | 0.54% | -1,166 bps | |
| Loan Growth (YoY) | 0.31% | 1.22% | 1.25% | 4.79% | 6.74% | +642 bps | |
| Share Growth (YoY) | 12.97% | 8.48% | 8.36% | 6.04% | 0.14% | -1,283 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.11% | 0.20% | 0.40% | 0.56% | +50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.42% | 2.44% | 2.38% | 2.25% | 2.14% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.54% | 6.30% | 6.17% | 6.28% | 6.67% | +13 bps | |
| Net Worth / Assets | 6.54% | 6.30% | 6.17% | 6.28% | 6.67% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.85% | 36.57% | 36.69% | 38.45% | 40.34% | +249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |