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Edtech

Butte, MT · Charter 9741

Q4 2014

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: Q4 2014, the quarter ended December 31, 2014, 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

Edtech

Butte, MT · Charter 9741

Q4 2014

$69.4MAssets
$29.3MLoans
$58.3MShares
$10.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.33%, down 29 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 2.93% of loans (+231 bps YoY).
  • Capital: net worth / assets of 15.53%, up 39 bps from a year ago.
  • Funding: loans stand at 50.19% of shares as of Q4 2014.

Return on Assets (YTD, annualized)

0.33%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.48%-13 bps YoY

Efficiency Ratio (YTD, annualized)

83.48%+289 bps YoY

Net Worth / Assets

15.53%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.49%0.62%0.64%0.62%0.41%0.38%0.41%0.33%-29 bps
Return on Equity3.38%4.25%4.29%4.09%2.76%2.50%2.61%2.14%-196 bps
Net Interest Margin2.57%2.56%2.59%2.61%2.45%2.47%2.49%2.48%-13 bps
Efficiency Ratio83.91%80.03%79.62%80.59%82.33%82.84%82.45%83.48%+289 bps
Growth
Asset Growth (YoY)-0.30%-0.23%0.77%1.18%1.33%0.03%-1.25%-0.40%-157 bps
Loan Growth (YoY)17.32%11.54%7.54%5.09%-2.46%-4.49%-3.52%-3.48%-858 bps
Share Growth (YoY)-0.37%-1.12%0.25%0.60%0.37%-0.50%-1.95%-0.97%-157 bps
Asset Quality
Delinquent Loans / Loans0.68%1.08%1.16%0.62%0.45%0.27%1.48%2.93%+231 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.60%0.59%0.59%0.58%0.62%0.50%0.55%0.39%-19 bps
Capital
Risk-Based Capital14.52%14.64%14.91%15.14%14.92%15.13%15.54%15.53%+39 bps
Net Worth / Assets14.52%14.64%14.91%15.14%14.92%15.13%15.54%15.53%+39 bps
Liquidity & Funding
Loans / Shares49.98%50.81%50.76%51.49%48.57%48.77%49.95%50.19%-131 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps