Cheyenne, WY · Charter 6754
NCUA · 1 branch
Q4 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.56% | -0.76% | -1.10% | -0.99% | -1.47% | -90 bps | |
| Return on Equity | -4.52% | -6.43% | -8.87% | -7.72% | -11.83% | -731 bps | |
| Net Interest Margin | 2.32% | 2.18% | 2.34% | 2.70% | 2.74% | +42 bps | |
| Efficiency Ratio | 115.93% | 123.19% | 132.37% | 123.75% | 124.70% | +877 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.11% | 0.06% | -12.66% | -10.95% | -10.28% | -917 bps | |
| Loan Growth (YoY) | -0.26% | 7.50% | 1.91% | 0.72% | -2.80% | -254 bps | |
| Share Growth (YoY) | -0.65% | 0.58% | -13.52% | -11.65% | -10.19% | -954 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.23% | 0.81% | 0.82% | 0.39% | -49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.00% | 0.03% | 0.20% | 0.44% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.43% | 11.77% | 12.44% | 12.85% | 12.38% | -4 bps | |
| Net Worth / Assets | 12.43% | 11.77% | 12.44% | 12.85% | 12.38% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.16% | 46.57% | 50.03% | 52.20% | 52.12% | +396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |