Page, ND · Charter 64444
NCUA · 2 branches
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.93% | 0.88% | 0.64% | 0.94% | 1.84% | 1.36% | 0.92% | +29 bps | |
| Return on Equity | 6.25% | 5.71% | 5.43% | 4.09% | 6.42% | 12.66% | 9.98% | 7.36% | +327 bps | |
| Net Interest Margin | 3.27% | 3.01% | 2.98% | 2.84% | 2.21% | 2.18% | 2.10% | 2.23% | -60 bps | |
| Efficiency Ratio | 72.24% | 73.36% | 74.48% | 80.58% | 70.70% | 54.01% | 59.42% | 72.01% | -858 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.83% | 12.78% | 11.58% | 12.11% | 19.26% | 20.81% | 27.62% | 18.89% | +678 bps | |
| Loan Growth (YoY) | -6.21% | -1.56% | -2.79% | -8.38% | -8.49% | -2.84% | 3.97% | 6.81% | +1,519 bps | |
| Share Growth (YoY) | 6.81% | 14.49% | 13.24% | 13.79% | 22.11% | 23.66% | 32.02% | 23.66% | +987 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.77% | 0.10% | 0.28% | +28 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 | 0.77% | 0.75% | 0.77% | 0.79% | 0.84% | 0.77% | 0.73% | 0.72% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.67% | 16.25% | 16.17% | 15.54% | 14.58% | 14.55% | 13.67% | 12.52% | -303 bps | |
| Net Worth / Assets | 16.67% | 16.25% | 16.17% | 15.54% | 14.58% | 14.55% | 13.67% | 12.52% | -303 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.05% | 81.59% | 78.30% | 72.59% | 62.24% | 64.11% | 61.67% | 62.70% | -989 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |