Lewiston, ID · Charter 2734
NCUA · 15 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Lewiston, ID · Charter 2734
NCUA · 15 branches
Q4 2018
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.96% | 1.09% | 1.04% | 1.03% | +14 bps | |
| Return on Equity | 9.24% | 10.18% | 11.36% | 10.98% | 10.73% | +149 bps | |
| Net Interest Margin | 3.10% | 3.19% | 3.21% | 3.17% | 3.13% | +3 bps | |
| Efficiency Ratio | 68.64% | 68.76% | 66.13% | 66.36% | 65.69% | -295 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.13% | 8.85% | 10.92% | 11.07% | 12.14% | +301 bps | |
| Loan Growth (YoY) | 17.61% | 16.31% | 14.83% | 9.55% | 7.35% | -1,026 bps | |
| Share Growth (YoY) | 8.35% | 8.84% | 11.24% | 11.40% | 12.81% | +446 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.44% | 0.47% | 0.49% | 0.50% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.75% | 0.73% | 0.73% | 0.76% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.60% | 9.40% | 9.56% | 9.52% | 9.59% | -1 bps | |
| Net Worth / Assets | 9.60% | 9.40% | 9.56% | 9.52% | 9.59% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.76% | 96.79% | 99.26% | 96.42% | 94.93% | -483 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |