Butte, MT · Charter 7141
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.30% | 0.40% | 0.37% | 0.24% | -0.30% | 0.00% | -0.11% | -48 bps | |
| Return on Equity | 1.44% | 2.11% | 2.82% | 2.49% | 1.70% | -2.15% | 0.02% | -0.80% | -329 bps | |
| Net Interest Margin | 2.27% | 2.24% | 2.28% | 2.43% | 2.46% | 2.59% | 2.65% | 2.71% | +28 bps | |
| Efficiency Ratio | 93.42% | 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 / Loans | 0.22% | 0.36% | 0.23% | 0.55% | 0.16% | 0.15% | 0.19% | 0.02% | -52 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 | 0.17% | 0.22% | 0.19% | 0.03% | 0.09% | 0.24% | 0.24% | 0.28% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.71% | 14.26% | 14.36% | 14.76% | 14.28% | 13.85% | 13.83% | 13.76% | -100 bps | |
| Net Worth / Assets | 14.71% | 14.26% | 14.36% | 14.76% | 14.28% | 13.85% | 13.83% | 13.76% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.43% | 46.20% | 50.14% | 55.57% | 57.25% | 58.20% | 63.48% | 62.16% | +658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |