Sandpoint, ID · Charter 14553
Q2 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.71% | -2.13% | -2.06% | -2.47% | -2.61% | -90 bps | |
| Return on Equity | -19.04% | -25.12% | -24.76% | -34.06% | -40.63% | -2,159 bps | |
| Net Interest Margin | 3.35% | 3.34% | 3.34% | 2.50% | 2.47% | -89 bps | |
| Efficiency Ratio | 155.11% | 168.91% | 174.24% | 196.49% | 203% | +4,817 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.21% | -9.38% | -7.75% | -1.69% | 2.22% | +943 bps | |
| Loan Growth (YoY) | -18.85% | -13.80% | -16.94% | -18.78% | -10.42% | +843 bps | |
| Share Growth (YoY) | -5.33% | -7.34% | -5.46% | 0.53% | 5.12% | +1,045 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.25% | 1.19% | 1.78% | 1.37% | 3.60% | +235 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.42% | 0.19% | 0.19% | 0.20% | -51 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.99% | 8.48% | 8.31% | 7.26% | 6.42% | -257 bps | |
| Net Worth / Assets | 8.99% | 8.48% | 8.31% | 7.26% | 6.42% | -257 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.21% | 64.25% | 60.20% | 54.24% | 53.01% | -919 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |