Baker, MT · Charter 9780
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Baker, MT · Charter 9780
NCUA · 1 branch
Q3 2018
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.48% | 0.48% | 0.14% | 0.45% | 0.60% | -7.12% | -3.11% | -1.98% | -243 bps | |
| Return on Equity | -15.95% | 5.15% | 1.61% | 4.48% | 5.72% | -75.74% | -38.71% | -22.35% | -2,682 bps | |
| Net Interest Margin | 3.47% | 3.09% | 2.79% | 3.02% | 3.04% | 3.46% | 3.64% | 3.71% | +70 bps | |
| Efficiency Ratio | 84.54% | 87.30% | 95.88% | 88.15% | 84.38% | 107.34% | 89.26% | 88.30% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.92% | 4.53% | 10.14% | -1.55% | -5.91% | -8.45% | -19.17% | -18.76% | -1,721 bps | |
| Loan Growth (YoY) | -20.57% | -13.61% | -9.40% | -6.44% | -5.93% | -9.19% | -9.09% | -6.58% | -14 bps | |
| Share Growth (YoY) | 6.34% | 6.31% | 12.48% | -0.60% | -7.14% | -9.06% | -18.85% | -17.86% | -1,725 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.33% | 1.04% | 0.27% | 1.89% | 5.72% | 5.06% | 4.47% | 9.20% | +731 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 | 3.22% | 2.79% | 2.76% | 2.02% | 1.99% | 4.99% | 4.82% | 4.82% | +280 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.28% | 9.22% | 8.88% | 9.96% | 10.43% | 9.40% | 8.05% | 8.86% | -110 bps | |
| Net Worth / Assets | 9.28% | 9.22% | 8.88% | 9.96% | 10.43% | 9.40% | 8.05% | 8.86% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.77% | 57.08% | 55.83% | 58.78% | 57.51% | 57.00% | 62.55% | 66.84% | +807 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |