Boise, ID · Charter 11451
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Boise, ID · Charter 11451
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.29% | -5.64% | -1.23% | 3.16% | -2.13% | -442 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 3.51% | 5.15% | 9.97% | 6.53% | 2.63% | -89 bps | |
| Loan Growth (YoY) | 10.06% | 9.92% | 16.57% | 20.55% | 6.28% | -378 bps | |
| Share Growth (YoY) | 5.08% | 14.85% | 22.78% | 18.15% | 17.97% | +1,289 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.63% | 2.69% | 16.80% | 3.61% | 3.04% | -459 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.76% | 1.80% | 2.13% | 1.39% | 8.88% | +712 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.79% | 96.59% | 93.02% | 105.15% | 90.80% | -999 bps | |
| Liquid Assets / Assets | 9.85% | 10.70% | 9.98% | 5.23% | 5.11% | -474 bps | |