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Miles City

Miles City, MT · Charter 8003

NCUA · 1 branch

Q2 2023

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: Q2 2023, the quarter ended June 30, 2023, 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

Miles City

Miles City, MT · Charter 8003

NCUA · 1 branch

Q2 2023

$4.1MAssets
$1.6MLoans
$3.6MShares
$493KNet Worth

Executive Summary

  • Earnings: ROA of -2.50%, down 201 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.15%, down 105 bps from a year ago.
  • Funding: loans stand at 46.15% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

-2.50%-201 bps YoY

Net Interest Margin (YTD, annualized)

2.68%+55 bps YoY

Efficiency Ratio (YTD, annualized)

175.67%+5,809 bps YoY

Net Worth / Assets

12.15%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets0.05%0.05%-0.42%-0.49%-0.40%-0.27%-0.35%-2.50%-201 bps
Return on Equity0.39%0.36%-3.21%-3.67%-3.18%-2.19%-2.82%-20.56%-1,688 bps
Net Interest Margin2.38%2.37%2.09%2.13%2.10%2.13%2.47%2.68%+55 bps
Efficiency Ratio98.42%97.32%117.38%117.58%116.06%110.74%111.53%175.67%+5,809 bps
Growth
Asset Growth (YoY)10.74%9.72%4.31%0.60%1.33%5.58%2.12%-1.80%-240 bps
Loan Growth (YoY)35.82%19.77%1.04%-8.62%-19.92%-15.68%-13.51%-11.45%-283 bps
Share Growth (YoY)11.88%11.32%5.36%0.88%2.34%6.76%2.80%-0.53%-141 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.35%0.45%0.45%0.46%0.45%0.47%0.49%0.49%+3 bps
Capital
Risk-Based Capital13.17%13.32%13.11%13.21%12.70%12.34%12.58%12.15%-105 bps
Net Worth / Assets13.17%13.32%13.11%13.21%12.70%12.34%12.58%12.15%-105 bps
Liquidity & Funding
Loans / Shares60.66%55.51%51.77%51.85%47.46%43.84%43.56%46.15%-569 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps