Miles City, MT · Charter 8003
NCUA · 1 branch
Q2 2023
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.05% | -0.42% | -0.49% | -0.40% | -0.27% | -0.35% | -2.50% | -201 bps | |
| Return on Equity | 0.39% | 0.36% | -3.21% | -3.67% | -3.18% | -2.19% | -2.82% | -20.56% | -1,688 bps | |
| Net Interest Margin | 2.38% | 2.37% | 2.09% | 2.13% | 2.10% | 2.13% | 2.47% | 2.68% | +55 bps | |
| Efficiency Ratio | 98.42% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.35% | 0.45% | 0.45% | 0.46% | 0.45% | 0.47% | 0.49% | 0.49% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.17% | 13.32% | 13.11% | 13.21% | 12.70% | 12.34% | 12.58% | 12.15% | -105 bps | |
| Net Worth / Assets | 13.17% | 13.32% | 13.11% | 13.21% | 12.70% | 12.34% | 12.58% | 12.15% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.66% | 55.51% | 51.77% | 51.85% | 47.46% | 43.84% | 43.56% | 46.15% | -569 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |