PackageTrendsPeer
Letter portraitLegal landscape

Pine Tree

Grangeville, ID · Charter 65789

NCUA · 2 branches

Q3 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pine Tree

Grangeville, ID · Charter 65789

NCUA · 2 branches

Q3 2022

$83.1MAssets
$47.1MLoans
$74.1MShares
$7.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.77%, down 5 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 0.64% of loans (+42 bps YoY).
  • Capital: net worth / assets of 8.52%, up 68 bps from a year ago.
  • Funding: loans stand at 63.61% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

0.77%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.57%+23 bps YoY

Efficiency Ratio (YTD, annualized)

74.05%+468 bps YoY

Net Worth / Assets

8.52%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.82%1.12%0.66%0.84%0.77%-5 bps
Return on Equity10.43%13.84%7.97%9.95%9.00%-144 bps
Net Interest Margin2.34%2.29%2.38%2.47%2.57%+23 bps
Efficiency Ratio69.36%70.81%74.77%70.37%74.05%+468 bps
Growth
Asset Growth (YoY)22.01%20.88%13.03%13.16%5.64%-1,637 bps
Loan Growth (YoY)16.29%12.86%13.54%21.46%19.34%+305 bps
Share Growth (YoY)22.97%20.66%12.80%9.62%3.00%-1,996 bps
Asset Quality
Delinquent Loans / Loans0.22%0.46%0.84%0.26%0.64%+42 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.76%1.07%1.06%0.81%0.72%-104 bps
Capital
Risk-Based Capital7.84%8.12%8.32%8.44%8.52%+68 bps
Net Worth / Assets7.84%8.12%8.32%8.44%8.52%+68 bps
Liquidity & Funding
Loans / Shares54.90%53.90%55.79%63.75%63.61%+871 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps