Idaho Falls, ID · Charter 24095
Q1 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1998, the quarter ended March 31, 1998, 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 24095
Q1 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 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.31% | 4.45% | 4.56% | 4.71% | 4.02% | -28 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) | 4.52% | 4.95% | 6.50% | 7.07% | 8.23% | +370 bps | |
| Loan Growth (YoY) | 9.96% | 9.56% | 11.78% | 2.30% | 6.15% | -381 bps | |
| Share Growth (YoY) | 2.56% | 3.66% | 4.49% | 6.00% | 7.14% | +458 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.21% | 0.14% | 0.28% | 0.30% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 0.94% | 0.89% | 0.92% | 0.87% | -11 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 | 74.48% | 78.83% | 80.15% | 75.73% | 73.79% | -69 bps | |
| Liquid Assets / Assets | 8.05% | 4.24% | 6.00% | 9.52% | 12.15% | +410 bps | |