Fargo, ND · Charter 62722
NCUA · 2 branches
Q4 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.39% | -0.22% | -0.03% | -0.06% | 0.00% | 0.22% | 0.40% | -0.83% | -78 bps | |
| Return on Equity | -4.91% | -2.62% | -0.37% | -0.69% | -0.01% | 2.63% | 4.60% | -10.70% | -1,001 bps | |
| Net Interest Margin | 2.09% | 2.11% | 2.10% | 2.12% | 2.33% | 2.41% | 2.49% | 2.29% | +18 bps | |
| Efficiency Ratio | 107.96% | 104.66% | 98.34% | 100.16% | 92.69% | 91.61% | 85.26% | 133.14% | +3,299 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 0.93% | 2.26% | -1.22% | -2.73% | -1.43% | -3.57% | -5.26% | -404 bps | |
| Loan Growth (YoY) | -1.96% | 0.75% | 0.14% | 4.02% | 5.59% | 7.91% | 9.94% | -2.60% | -662 bps | |
| Share Growth (YoY) | 6.27% | 0.97% | 2.20% | -1.26% | -2.92% | -1.57% | -3.78% | -6.53% | -527 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.17% | 1.05% | 0.98% | 1.06% | 1.17% | 0.33% | 1.18% | +20 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 | 0.50% | 0.56% | 0.54% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.98% | 8.27% | 8.24% | 8.18% | 8.25% | 8.50% | 8.77% | 7.80% | -38 bps | |
| Net Worth / Assets | 7.98% | 8.27% | 8.24% | 8.18% | 8.25% | 8.50% | 8.77% | 7.80% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.91% | 48.43% | 47.62% | 48.91% | 49.93% | 53.10% | 54.41% | 50.97% | +206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |