Flasher, ND · Charter 64240
NCUA · 2 branches
Q1 2024
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.44% | 0.38% | 0.76% | 0.85% | 0.72% | 0.22% | -0.99% | -175 bps | |
| Return on Equity | 3.30% | 5.50% | 4.95% | 8.66% | 9.45% | 7.49% | 2.42% | -10.09% | -1,874 bps | |
| Net Interest Margin | 2.08% | 2.61% | 2.66% | 3.50% | 3.44% | 3.62% | 3.70% | 4.04% | +55 bps | |
| Efficiency Ratio | 91.14% | 86.17% | 87.91% | 80.56% | 78.01% | 82.32% | 94.93% | 100.53% | +1,997 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.45% | 7.58% | 6.73% | -8.20% | -11.22% | -10.37% | -14.53% | -12.85% | -465 bps | |
| Loan Growth (YoY) | 5.04% | 13.22% | 54.61% | 38.36% | 13.77% | 13.15% | -20.05% | -24.19% | -6,255 bps | |
| Share Growth (YoY) | 15.29% | 7.96% | 4.88% | -9.33% | -12.90% | -12.13% | -16.13% | -14.76% | -543 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.00% | 1.47% | 1.51% | 2.93% | 2.92% | 2.63% | 0.98% | -53 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 | 1.18% | 1.12% | 0.91% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.38% | 8.02% | 7.71% | 8.76% | 9.02% | 9.56% | 9.24% | 9.84% | +107 bps | |
| Net Worth / Assets | 7.38% | 8.02% | 7.71% | 8.76% | 9.02% | 9.56% | 9.24% | 9.84% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.35% | 63.36% | 74.26% | 80.18% | 73.60% | 81.58% | 70.79% | 71.31% | -887 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |