Helena, MT · Charter 63261
NCUA · 6 branches
Q3 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.04% | 0.52% | 0.55% | 0.63% | +57 bps | |
| Return on Equity | 0.59% | 0.45% | 4.86% | 5.63% | 6.45% | +586 bps | |
| Net Interest Margin | 3.49% | 3.57% | 3.38% | 3.49% | 3.44% | -4 bps | |
| Efficiency Ratio | 84.66% | 85.37% | 85.77% | 83.78% | 81.87% | -279 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.64% | 5.45% | 6.79% | 4.06% | 7.44% | -720 bps | |
| Loan Growth (YoY) | 16.13% | 9.17% | 11.67% | 12.96% | 8.35% | -778 bps | |
| Share Growth (YoY) | 13.52% | 4.13% | 6.20% | 4.80% | 7.40% | -612 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.42% | 0.26% | 0.96% | 0.84% | +42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.23% | 1.17% | 1.11% | 0.88% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.92% | 9.74% | 10.70% | 9.75% | 9.71% | -22 bps | |
| Net Worth / Assets | 9.92% | 9.74% | 10.70% | 9.75% | 9.71% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.43% | 94.08% | 90.86% | 96.64% | 93.25% | +82 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |