Boise, ID · Charter 64976
Q1 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.53% | 1.67% | 1.57% | 1.44% | 1.31% | -22 bps | |
| Return on Equity | 14.94% | 13.31% | 11.24% | 9.85% | 8.94% | -599 bps | |
| Net Interest Margin | 2.94% | 3.51% | 3.51% | 3.45% | 3.47% | +52 bps | |
| Efficiency Ratio | 48.23% | 52.33% | 55.37% | 58.35% | 62.27% | +1,404 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.05% | -36.38% | -35.07% | -29.68% | -23.77% | -673 bps | |
| Loan Growth (YoY) | -7.23% | -8.67% | -18.03% | -24.19% | -13.71% | -648 bps | |
| Share Growth (YoY) | -19.41% | -40.27% | -39.33% | -33.86% | -27.54% | -813 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 1.52% | 3.07% | 4.12% | 3.88% | +387 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.59% | 1.71% | 1.84% | 1.76% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.23% | 12.58% | 13.97% | 14.62% | 14.65% | +443 bps | |
| Net Worth / Assets | 10.23% | 12.58% | 13.97% | 14.62% | 14.65% | +443 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.97% | 48.84% | 50.43% | 48.58% | 49.97% | +801 bps | |
| Liquid Assets / Assets | 60.41% | 55.45% | 54.70% | 56.94% | 55.89% | -451 bps | |