PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St Joe Valley

St. Maries, ID · Charter 63847

Q2 1998

$5.0MAssets
$3.5MLoans
$4.6MShares
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 3.94%, up 35 bps year over year.
  • Asset quality: problem loans at 1.14% of loans (-48 bps YoY).
  • Funding: loans stand at 75.09% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.94%+35 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.59%4.03%3.58%3.98%3.94%+35 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)18.09%4.79%6.80%6.29%-2.50%-2,060 bps
Loan Growth (YoY)25.58%5.24%-7.04%0.05%-1.86%-2,744 bps
Share Growth (YoY)18.60%3.85%12.30%5.71%-3.54%-2,214 bps
Asset Quality
Delinquent Loans / Loans1.62%1.50%1.44%2.89%1.14%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%0.62%0.40%0.43%0.46%-19 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 / Shares73.80%78.05%80.35%79.91%75.09%+129 bps
Liquid Assets / Assets5.25%20.11%0.94%18.27%22.30%+1,705 bps