PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Shoshone County School Employees

Pinehurst, ID · Charter 62766

Q1 2012

$857KAssets
$339KLoans
$770KShares
$88KNet 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 -0.58%, down 56 bps year over year; NIM at 2.21%.
  • Asset quality: problem loans at 0.13% of loans (+13 bps YoY).
  • Capital: net worth / assets of 10.21%, up 48 bps from a year ago.
  • Funding: loans stand at 44.03% of shares as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.58%-56 bps YoY

Net Interest Margin (YTD, annualized)

2.21%-20 bps YoY

Efficiency Ratio (YTD, annualized)

125.87%+2,493 bps YoY

Net Worth / Assets

10.21%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-0.02%0.04%-0.17%-0.07%-0.58%-56 bps
Return on Equity-0.24%0.43%-1.78%-0.70%-5.69%-546 bps
Net Interest Margin2.41%2.33%2.40%2.51%2.21%-20 bps
Efficiency Ratio100.94%98.31%106.73%101.31%125.87%+2,493 bps
Growth
Asset Growth (YoY)9.42%8.61%-0.47%5.02%-8.87%-1,830 bps
Loan Growth (YoY)-22.24%13.10%37.74%34.82%14.13%+3,637 bps
Share Growth (YoY)11.82%9.92%-0.21%5.95%-9.35%-2,117 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.13%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.90%2.16%1.90%2.11%2.63%-27 bps
Capital
Risk-Based Capital9.73%9.37%9.35%9.54%10.21%+48 bps
Net Worth / Assets9.73%9.37%9.35%9.54%10.21%+48 bps
Liquidity & Funding
Loans / Shares34.97%45.93%53.00%50.02%44.03%+906 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps