Shelby, MT · Charter 9592
NCUA · 1 branch
Q2 2019
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.63% | -2.80% | -2.10% | -6.13% | -3.83% | -20 bps | |
| Return on Equity | -20.28% | -15.77% | -12.49% | -36.94% | -22.43% | -215 bps | |
| Net Interest Margin | 3.00% | 3.01% | 2.89% | 3.03% | 3.22% | +22 bps | |
| Efficiency Ratio | 403% | 232% | 179.71% | 124.96% | 129.26% | -27,400 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.29% | -1.81% | 3.59% | -2.97% | -7.80% | -351 bps | |
| Loan Growth (YoY) | -6.83% | -5.09% | -6.69% | -5.29% | -13.99% | -717 bps | |
| Share Growth (YoY) | -3.16% | 0.22% | 7.21% | -0.10% | -11.02% | -786 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.09% | 5.53% | 4.92% | 6.92% | 2.29% | -280 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 1.57% | 1.80% | 3.48% | 4.71% | +351 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.90% | 17.76% | 16.80% | 16.59% | 17.09% | -81 bps | |
| Net Worth / Assets | 17.90% | 17.76% | 16.80% | 16.59% | 17.09% | -81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.42% | 43.06% | 39.24% | 40.19% | 41.97% | -145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |