PackageTrendsPeer
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Boise U S Employees

Boise, ID · Charter 554

Q1 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2014, the quarter ended March 31, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Boise U S Employees

Boise, ID · Charter 554

Q1 2014

$50.4MAssets
$8.9MLoans
$44.6MShares
$5.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.35%, up 55 bps year over year; NIM at 1.73%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY).
  • Capital: net worth / assets of 11.56%, down 1 bps from a year ago.
  • Funding: loans stand at 19.96% of shares as of Q1 2014.

Return on Assets (YTD, annualized)

0.35%+55 bps YoY

Net Interest Margin (YTD, annualized)

1.73%-2 bps YoY

Efficiency Ratio (YTD, annualized)

85.87%-2,170 bps YoY

Net Worth / Assets

11.56%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets-0.63%-0.51%-0.49%-0.21%-0.20%-0.02%0.05%0.35%+55 bps
Return on Equity-4.99%-4.10%-4.00%-1.77%-1.71%-0.21%0.47%3.01%+478 bps
Net Interest Margin1.77%1.82%1.82%1.75%1.74%1.76%1.75%1.73%-2 bps
Efficiency Ratio122.01%117.61%117.31%107.58%109.85%102.20%99.45%85.87%-2,170 bps
Growth
Asset Growth (YoY)6.56%5.96%6.91%7.37%5.57%6.99%6.81%1.78%-559 bps
Loan Growth (YoY)5.60%5.84%-1.09%-3.94%-6.67%10.29%12.89%13.27%+1,721 bps
Share Growth (YoY)8.25%7.50%8.60%8.94%7.20%8.45%8.04%2.11%-683 bps
Asset Quality
Delinquent Loans / Loans0.12%0.06%0.06%0.02%0.00%0.01%0.00%0.00%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.38%0.40%0.50%0.46%0.34%0.35%0.22%0.22%-23 bps
Capital
Risk-Based Capital12.53%12.46%12.24%11.57%11.60%11.57%11.52%11.56%-1 bps
Net Worth / Assets12.53%12.46%12.24%11.57%11.60%11.57%11.52%11.56%-1 bps
Liquidity & Funding
Loans / Shares20.20%20.05%19.37%17.99%17.58%20.40%20.24%19.96%+197 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps