Caldwell, ID · Charter 61179
NCUA · 2 branches
Q2 2023
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | -0.28% | -0.02% | -0.13% | -0.13% | 0.00% | 1.03% | 0.64% | +77 bps | |
| Return on Equity | -1.52% | -1.98% | -0.16% | -0.87% | -0.87% | 0.01% | 6.78% | 4.27% | +513 bps | |
| Net Interest Margin | 3.47% | 3.30% | 3.14% | 3.31% | 3.58% | 3.75% | 4.14% | 4.13% | +83 bps | |
| Efficiency Ratio | 103.58% | 106.02% | 102.47% | 102.78% | 96.25% | 92.48% | 78.57% | 83.90% | -1,888 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.32% | 7.85% | 2.23% | -0.52% | -1.04% | -5.39% | -5.33% | -0.83% | -31 bps | |
| Loan Growth (YoY) | -5.58% | -0.95% | 7.03% | 13.83% | 24.17% | 19.01% | 9.45% | 5.14% | -869 bps | |
| Share Growth (YoY) | 8.92% | 9.80% | 3.98% | 1.65% | 1.34% | -4.22% | -5.47% | -0.59% | -224 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.03% | 0.00% | 0.07% | 0.37% | 0.35% | 0.29% | 0.25% | +19 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 | 0.19% | 0.22% | 0.18% | 0.22% | 0.37% | 0.55% | 0.00% | 0.00% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.92% | 14.26% | 14.19% | 14.54% | 14.86% | 15.07% | 15.13% | 15.05% | +51 bps | |
| Net Worth / Assets | 14.92% | 14.26% | 14.19% | 14.54% | 14.86% | 15.07% | 15.13% | 15.05% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.80% | 53.37% | 57.45% | 62.96% | 67.15% | 66.32% | 66.53% | 66.59% | +363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |