Lewiston, ID · Charter 2734
NCUA · 15 branches
Q4 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.80% | 0.85% | 0.89% | 0.96% | 1.09% | 1.04% | 1.03% | +14 bps | |
| Return on Equity | 6.29% | 8.45% | 9.00% | 9.24% | 10.18% | 11.36% | 10.98% | 10.73% | +149 bps | |
| Net Interest Margin | 2.91% | 3.03% | 3.05% | 3.10% | 3.19% | 3.21% | 3.17% | 3.13% | +3 bps | |
| Efficiency Ratio | 72.95% | 69.36% | 69.41% | 68.64% | 68.76% | 66.13% | 66.36% | 65.69% | -295 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.67% | 9.93% | 10.85% | 9.13% | 8.85% | 10.92% | 11.07% | 12.14% | +301 bps | |
| Loan Growth (YoY) | 12.56% | 14.06% | 16.15% | 17.61% | 16.31% | 14.83% | 9.55% | 7.35% | -1,026 bps | |
| Share Growth (YoY) | 12.10% | 10.23% | 10.57% | 8.35% | 8.84% | 11.24% | 11.40% | 12.81% | +446 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.48% | 0.50% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.82% | 0.78% | 0.76% | 0.75% | 0.73% | 0.73% | 0.76% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.19% | 9.48% | 9.44% | 9.60% | 9.40% | 9.56% | 9.52% | 9.59% | -1 bps | |
| Net Worth / Assets | 9.19% | 9.48% | 9.44% | 9.60% | 9.40% | 9.56% | 9.52% | 9.59% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.58% | 96.15% | 98.05% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |