Pierce, ID · Charter 65786
NCUA · 1 branch
Q4 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | 0.08% | 0.13% | 0.21% | 0.00% | 0.39% | 0.38% | -0.16% | -37 bps | |
| Return on Equity | -0.58% | 0.59% | 1.02% | 1.57% | -0.03% | 3.13% | 2.99% | -1.26% | -282 bps | |
| Net Interest Margin | 3.43% | 3.55% | 3.40% | 3.47% | 3.06% | 2.98% | 3.03% | 3.12% | -35 bps | |
| Efficiency Ratio | 101.70% | 98.29% | 97.02% | 97.91% | 100.09% | 97.28% | 95.29% | 110.50% | +1,259 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.10% | 1.47% | 6.67% | -2.77% | 3.03% | 9.83% | 4.86% | 4.54% | +731 bps | |
| Loan Growth (YoY) | -11.42% | -16.24% | -11.89% | -14.37% | -9.09% | -7.07% | -4.07% | -2.88% | +1,149 bps | |
| Share Growth (YoY) | -1.74% | 2.48% | 7.70% | -4.47% | 3.04% | 9.70% | 4.65% | 6.84% | +1,130 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.67% | 0.55% | 0.00% | 0.26% | 0.55% | 0.28% | 1.02% | +102 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 | 1.33% | 1.19% | 1.28% | 1.10% | 1.08% | 0.83% | 0.92% | 0.82% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.01% | 13.41% | 12.90% | 13.42% | 12.85% | 12.56% | 12.68% | 12.68% | -74 bps | |
| Net Worth / Assets | 13.01% | 13.41% | 12.90% | 13.42% | 12.85% | 12.56% | 12.68% | 12.68% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.51% | 80.97% | 74.21% | 73.97% | 71.91% | 68.59% | 68.03% | 67.24% | -673 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |