Idaho Falls, ID · Charter 20721
NCUA · 2 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Idaho Falls, ID · Charter 20721
NCUA · 2 branches
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.39% | -0.30% | -0.86% | -0.82% | -0.65% | 0.20% | 0.01% | +88 bps | |
| Return on Equity | 5.15% | 4.35% | -3.58% | -10.32% | -10.00% | -7.80% | 2.43% | 0.15% | +1,047 bps | |
| Net Interest Margin | 3.51% | 3.57% | 3.43% | 3.44% | 3.37% | 3.40% | 3.02% | 3.13% | -31 bps | |
| Efficiency Ratio | 83.85% | 83.16% | 90.41% | 92.52% | 92.63% | 92.60% | 93.94% | 96.43% | +392 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.38% | 6.12% | 4.72% | 2.15% | 0.39% | -1.49% | -2.89% | -4.82% | -697 bps | |
| Loan Growth (YoY) | 13.12% | 10.63% | -1.40% | -9.18% | -8.64% | -10.91% | -11.28% | -11.24% | -206 bps | |
| Share Growth (YoY) | 3.10% | 6.37% | 7.29% | 3.18% | 1.61% | -0.57% | -2.45% | -5.46% | -864 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 1.21% | 0.82% | 0.63% | 0.45% | 0.37% | 0.45% | 0.61% | -2 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 | 0.70% | 0.82% | 0.88% | 1.12% | 1.15% | 1.15% | 1.11% | 1.05% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.81% | 8.90% | 8.50% | 8.37% | 8.21% | 8.38% | 8.24% | 8.59% | +21 bps | |
| Net Worth / Assets | 8.81% | 8.90% | 8.50% | 8.37% | 8.21% | 8.38% | 8.24% | 8.59% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.60% | 92.94% | 86.59% | 84.57% | 85.06% | 83.27% | 78.75% | 79.41% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |