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Safeway Montana

Butte, MT · Charter 7141

NCUA · 1 branch

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Safeway Montana

Butte, MT · Charter 7141

NCUA · 1 branch

Q3 2016

$20.7MAssets
$11.3MLoans
$18.1MShares
$2.9MNet Worth

Executive Summary

  • Earnings: ROA of -0.11%, down 48 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.02% of loans (-52 bps YoY).
  • Capital: net worth / assets of 13.76%, down 100 bps from a year ago.
  • Funding: loans stand at 62.16% of shares as of Q3 2016.

Return on Assets (YTD, annualized)

-0.11%-48 bps YoY

Net Interest Margin (YTD, annualized)

2.71%+28 bps YoY

Efficiency Ratio (YTD, annualized)

94.31%+468 bps YoY

Net Worth / Assets

13.76%-100 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.21%0.30%0.40%0.37%0.24%-0.30%0.00%-0.11%-48 bps
Return on Equity1.44%2.11%2.82%2.49%1.70%-2.15%0.02%-0.80%-329 bps
Net Interest Margin2.27%2.24%2.28%2.43%2.46%2.59%2.65%2.71%+28 bps
Efficiency Ratio93.42%90.61%87.76%89.63%92.06%93.74%87.84%94.31%+468 bps
Growth
Asset Growth (YoY)10.16%8.42%8.11%5.38%4.80%3.64%2.84%4.99%-39 bps
Loan Growth (YoY)4.69%10.22%20.40%24.89%26.45%32.31%30.86%20.80%-408 bps
Share Growth (YoY)11.83%9.44%8.26%5.20%4.76%5.03%3.36%8.01%+281 bps
Asset Quality
Delinquent Loans / Loans0.22%0.36%0.23%0.55%0.16%0.15%0.19%0.02%-52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.17%0.22%0.19%0.03%0.09%0.24%0.24%0.28%+25 bps
Capital
Risk-Based Capital14.71%14.26%14.36%14.76%14.28%13.85%13.83%13.76%-100 bps
Net Worth / Assets14.71%14.26%14.36%14.76%14.28%13.85%13.83%13.76%-100 bps
Liquidity & Funding
Loans / Shares47.43%46.20%50.14%55.57%57.25%58.20%63.48%62.16%+658 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps