Pocatello, ID · Charter 10661
Q4 2011
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.55% | 0.50% | 0.61% | 0.39% | -9 bps | |
| Return on Equity | 9.45% | 10.07% | 8.55% | 10.27% | 6.14% | -331 bps | |
| Net Interest Margin | 4.58% | 4.01% | 4.09% | 4.00% | 4.15% | -43 bps | |
| Efficiency Ratio | 74.38% | 81.11% | 81.54% | 79.98% | 85.32% | +1,094 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.61% | -5.98% | -10.82% | -5.33% | -10.33% | -1,494 bps | |
| Loan Growth (YoY) | -17.82% | -24.13% | -21.15% | -18.35% | -18.57% | -75 bps | |
| Share Growth (YoY) | 7.01% | -5.01% | -12.30% | -6.26% | -11.41% | -1,842 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.73% | 1.96% | 3.21% | 4.18% | 3.45% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.77% | 2.35% | 2.36% | 2.12% | 1.47% | -130 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.06% | 5.44% | 5.79% | 5.92% | 6.29% | +124 bps | |
| Net Worth / Assets | 5.06% | 5.44% | 5.79% | 5.92% | 6.29% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.36% | 62.03% | 63.72% | 61.41% | 60.99% | -537 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |