Boise, ID · Charter 23122
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.30% | 4.66% | 4.98% | 4.72% | 4.69% | +38 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 34.13% | 29.79% | 20.87% | 18.10% | 19.75% | -1,438 bps | |
| Loan Growth (YoY) | 32.97% | 22.85% | 29.83% | 35.65% | 30.34% | -264 bps | |
| Share Growth (YoY) | 33.09% | 31.38% | 19.23% | 16.97% | 18.84% | -1,424 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.39% | 1.78% | 1.43% | 1.17% | 0.83% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.17% | 0.42% | 0.52% | 0.54% | 0.22% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.13% | 84.32% | 95.15% | 97.65% | 81.30% | +717 bps | |
| Liquid Assets / Assets | 3.97% | 5.24% | 4.34% | 4.32% | 21.68% | +1,771 bps | |