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Scenic Falls

Idaho Falls, ID · Charter 20721

NCUA · 2 branches

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Scenic Falls

Idaho Falls, ID · Charter 20721

NCUA · 2 branches

Q2 2017

$61.3MAssets
$43.9MLoans
$55.2MShares
$5.3MNet 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 0.01%, up 88 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.61% of loans (-2 bps YoY).
  • Capital: net worth / assets of 8.59%, up 21 bps from a year ago.
  • Funding: loans stand at 79.41% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.01%+88 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-31 bps YoY

Efficiency Ratio (YTD, annualized)

96.43%+392 bps YoY

Net Worth / Assets

8.59%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-0.86%-0.82%-0.65%0.20%0.01%+88 bps
Return on Equity-10.32%-10.00%-7.80%2.43%0.15%+1,047 bps
Net Interest Margin3.44%3.37%3.40%3.02%3.13%-31 bps
Efficiency Ratio92.52%92.63%92.60%93.94%96.43%+392 bps
Growth
Asset Growth (YoY)2.15%0.39%-1.49%-2.89%-4.82%-697 bps
Loan Growth (YoY)-9.18%-8.64%-10.91%-11.28%-11.24%-206 bps
Share Growth (YoY)3.18%1.61%-0.57%-2.45%-5.46%-864 bps
Asset Quality
Delinquent Loans / Loans0.63%0.45%0.37%0.45%0.61%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.12%1.15%1.15%1.11%1.05%-7 bps
Capital
Risk-Based Capital8.37%8.21%8.38%8.24%8.59%+21 bps
Net Worth / Assets8.37%8.21%8.38%8.24%8.59%+21 bps
Liquidity & Funding
Loans / Shares84.57%85.06%83.27%78.75%79.41%-517 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps