Moscow, ID · Charter 19564
NCUA · 5 branches
Q2 2016
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.28% | 0.16% | 0.21% | 0.34% | 0.33% | 0.41% | 0.40% | +19 bps | |
| Return on Equity | 4.01% | 2.96% | 1.77% | 2.53% | 3.80% | 3.64% | 4.57% | 4.45% | +192 bps | |
| Net Interest Margin | 2.70% | 2.56% | 2.33% | 2.25% | 2.44% | 2.48% | 2.66% | 2.63% | +38 bps | |
| Efficiency Ratio | 87.35% | 90.38% | 94.68% | 92.68% | 89.22% | 89.54% | 87.58% | 87.34% | -534 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.44% | 11.31% | 13.77% | 20.46% | 14.47% | 11.32% | 6.71% | -0.42% | -2,088 bps | |
| Loan Growth (YoY) | 9.31% | 8.15% | 22.73% | 32.47% | 42.32% | 38.41% | 24.23% | 11.83% | -2,064 bps | |
| Share Growth (YoY) | 9.96% | 10.35% | 13.74% | 22.23% | 14.74% | 13.37% | 7.52% | -1.23% | -2,346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.14% | 0.09% | 0.07% | 0.15% | 0.32% | 0.08% | 0.24% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.29% | 0.24% | 0.21% | 0.18% | 0.19% | 0.17% | 0.18% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.87% | 9.49% | 8.90% | 8.43% | 8.87% | 9.07% | 8.94% | 9.09% | +66 bps | |
| Net Worth / Assets | 9.87% | 9.49% | 8.90% | 8.43% | 8.87% | 9.07% | 8.94% | 9.09% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.93% | 47.00% | 49.61% | 52.30% | 58.21% | 57.38% | 57.32% | 59.22% | +691 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |