PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

East Idaho

Idaho Falls, ID · Charter 508

Q3 1998

$79.6MAssets
$51.1MLoans
$72.6MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.68%, down 47 bps year over year.
  • Asset quality: problem loans at 1.25% of loans (-7 bps YoY).
  • Funding: loans stand at 70.46% of shares as of Q3 1998.

Financial Results

Return on Assets (quarter, annualized)

3.68%-47 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets4.15%4.18%3.85%3.81%3.68%-47 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)4.71%5.00%6.69%6.85%10.62%+592 bps
Loan Growth (YoY)7.89%5.03%4.35%2.60%0.91%-698 bps
Share Growth (YoY)4.26%4.58%6.52%6.81%10.79%+652 bps
Asset Quality
Delinquent Loans / Loans1.32%1.26%1.36%1.30%1.25%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.99%0.98%1.06%1.08%1.04%+6 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares77.35%77.84%73.53%73.48%70.46%-690 bps
Liquid Assets / Assets14.56%15.96%19.68%18.60%19.81%+525 bps