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GML

Nampa, ID · Charter 17934

Q4 1999

$477KAssets
$250KLoans
$393KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.03%, down 492 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.30% of loans (+2 bps YoY).
  • Funding: loans stand at 63.72% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.03%-492 bps YoY

Net Interest Margin (quarter, annualized)

3.29%

Efficiency Ratio (quarter, annualized)

113.52%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.95%4.30%4.03%3.53%0.03%-492 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.29%n/an/a
Efficiency Ration/an/an/an/a113.52%n/an/a
Growth
Asset Growth (YoY)1.22%8.04%2.89%10.70%9.00%+778 bps
Loan Growth (YoY)-4.28%-10.44%-5.99%-8.51%-12.99%-871 bps
Share Growth (YoY)-1.62%8.45%2.83%14.13%13.97%+1,560 bps
Asset Quality
Delinquent Loans / Loans0.28%0.00%0.00%0.00%0.30%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.57%1.38%1.40%0.82%0.90%-67 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares83.46%87.94%82.07%63.89%63.72%-1,974 bps
Liquid Assets / Assets28.24%21.98%21.58%30.88%36.76%+851 bps