Helena, MT · Charter 63261
NCUA · 6 branches
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | -0.01% | -0.41% | 0.06% | 0.04% | 0.52% | 0.55% | 0.63% | +57 bps | |
| Return on Equity | 2.81% | -0.08% | -4.22% | 0.59% | 0.45% | 4.86% | 5.63% | 6.45% | +586 bps | |
| Net Interest Margin | 3.19% | 3.32% | 3.38% | 3.49% | 3.57% | 3.38% | 3.49% | 3.44% | -4 bps | |
| Efficiency Ratio | 77.48% | 89.24% | 91.54% | 84.66% | 85.37% | 85.77% | 83.78% | 81.87% | -279 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.44% | 16.16% | 16.35% | 14.64% | 5.45% | 6.79% | 4.06% | 7.44% | -720 bps | |
| Loan Growth (YoY) | 15.08% | 14.24% | 11.99% | 16.13% | 9.17% | 11.67% | 12.96% | 8.35% | -778 bps | |
| Share Growth (YoY) | 18.75% | 16.92% | 15.85% | 13.52% | 4.13% | 6.20% | 4.80% | 7.40% | -612 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 1.32% | 1.10% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.31% | 1.47% | 1.16% | 1.23% | 1.17% | 1.11% | 0.88% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.22% | 9.91% | 9.61% | 9.92% | 9.74% | 10.70% | 9.75% | 9.71% | -22 bps | |
| Net Worth / Assets | 10.22% | 9.91% | 9.61% | 9.92% | 9.74% | 10.70% | 9.75% | 9.71% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.73% | 86.42% | 89.66% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |