Shelby, MT · Charter 9592
NCUA · 1 branch
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.35% | -5.98% | -3.63% | -2.80% | -2.10% | -6.13% | -3.83% | -20 bps | |
| Return on Equity | -2.48% | -1.81% | -32.72% | -20.28% | -15.77% | -12.49% | -36.94% | -22.43% | -215 bps | |
| Net Interest Margin | 2.94% | 2.95% | 2.84% | 3.00% | 3.01% | 2.89% | 3.03% | 3.22% | +22 bps | |
| Efficiency Ratio | 89.71% | 91.70% | n/a | 403% | 232% | 179.71% | 124.96% | 129.26% | -27,400 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.46% | -6.69% | -7.42% | -4.29% | -1.81% | 3.59% | -2.97% | -7.80% | -351 bps | |
| Loan Growth (YoY) | 3.32% | -0.38% | -9.82% | -6.83% | -5.09% | -6.69% | -5.29% | -13.99% | -717 bps | |
| Share Growth (YoY) | -5.51% | -8.16% | -7.63% | -3.16% | 0.22% | 7.21% | -0.10% | -11.02% | -786 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.79% | 5.46% | 5.62% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.94% | 2.05% | 1.33% | 1.20% | 1.57% | 1.80% | 3.48% | 4.71% | +351 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.43% | 19.57% | 18.29% | 17.90% | 17.76% | 16.80% | 16.59% | 17.09% | -81 bps | |
| Net Worth / Assets | 19.43% | 19.57% | 18.29% | 17.90% | 17.76% | 16.80% | 16.59% | 17.09% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.48% | 45.09% | 42.39% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |