Grangeville, ID · Charter 65789
NCUA · 2 branches
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.57% | 0.77% | 0.82% | 1.12% | 0.66% | 0.84% | 0.77% | -5 bps | |
| Return on Equity | 10.97% | 7.01% | 9.43% | 10.43% | 13.84% | 7.97% | 9.95% | 9.00% | -144 bps | |
| Net Interest Margin | 2.69% | 2.41% | 2.48% | 2.34% | 2.29% | 2.38% | 2.47% | 2.57% | +23 bps | |
| Efficiency Ratio | 69.38% | 78.17% | 71.92% | 69.36% | 70.81% | 74.77% | 70.37% | 74.05% | +468 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.42% | 26.30% | 21.64% | 22.01% | 20.88% | 13.03% | 13.16% | 5.64% | -1,637 bps | |
| Loan Growth (YoY) | 8.60% | 9.83% | 14.36% | 16.29% | 12.86% | 13.54% | 21.46% | 19.34% | +305 bps | |
| Share Growth (YoY) | 17.96% | 27.35% | 22.06% | 22.97% | 20.66% | 12.80% | 9.62% | 3.00% | -1,996 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.31% | 0.39% | 0.22% | 0.46% | 0.84% | 0.26% | 0.64% | +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 | 2.10% | 2.07% | 1.91% | 1.76% | 1.07% | 1.06% | 0.81% | 0.72% | -104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.45% | 8.08% | 8.20% | 7.84% | 8.12% | 8.32% | 8.44% | 8.52% | +68 bps | |
| Net Worth / Assets | 8.45% | 8.08% | 8.20% | 7.84% | 8.12% | 8.32% | 8.44% | 8.52% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.63% | 55.43% | 57.54% | 54.90% | 53.90% | 55.79% | 63.75% | 63.61% | +871 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |