Baker, MT · Charter 9780
NCUA · 1 branch
Q3 2018
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.60% | -7.12% | -3.11% | -1.98% | -243 bps | |
| Return on Equity | 4.48% | 5.72% | -75.74% | -38.71% | -22.35% | -2,682 bps | |
| Net Interest Margin | 3.02% | 3.04% | 3.46% | 3.64% | 3.71% | +70 bps | |
| Efficiency Ratio | 88.15% | 84.38% | 107.34% | 89.26% | 88.30% | +15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.55% | -5.91% | -8.45% | -19.17% | -18.76% | -1,721 bps | |
| Loan Growth (YoY) | -6.44% | -5.93% | -9.19% | -9.09% | -6.58% | -14 bps | |
| Share Growth (YoY) | -0.60% | -7.14% | -9.06% | -18.85% | -17.86% | -1,725 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.02% | 1.99% | 4.99% | 4.82% | 4.82% | +280 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.96% | 10.43% | 9.40% | 8.05% | 8.86% | -110 bps | |
| Net Worth / Assets | 9.96% | 10.43% | 9.40% | 8.05% | 8.86% | -110 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |