Idaho Falls, ID · Charter 20721
NCUA · 2 branches
Q2 2017
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.44% | 3.37% | 3.40% | 3.02% | 3.13% | -31 bps | |
| Efficiency Ratio | 92.52% | 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 / Loans | 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 |
| Allowance / Loans | 1.12% | 1.15% | 1.15% | 1.11% | 1.05% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.37% | 8.21% | 8.38% | 8.24% | 8.59% | +21 bps | |
| Net Worth / Assets | 8.37% | 8.21% | 8.38% | 8.24% | 8.59% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |