Nampa, ID · Charter 65858
NCUA · 1 branch
Q2 2021
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.11% | -1.15% | -2.34% | -1.89% | -1.56% | 0.04% | -1.13% | +122 bps | |
| Return on Equity | 2.21% | 1.32% | -14.00% | -33.02% | -28.40% | -24.24% | 0.58% | -20.35% | +1,267 bps | |
| Net Interest Margin | 4.45% | 4.41% | 4.17% | 3.76% | 3.50% | 3.32% | 2.71% | 2.60% | -116 bps | |
| Efficiency Ratio | 102.15% | 102.09% | 120.63% | 115.59% | 117.23% | 113.96% | 99.20% | 126.63% | +1,104 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.63% | -2.33% | -2.50% | -0.91% | 4.40% | 6.82% | 12.44% | 9.23% | +1,014 bps | |
| Loan Growth (YoY) | -19.18% | -10.67% | -9.60% | -15.16% | -12.25% | -14.90% | -20.76% | -18.56% | -339 bps | |
| Share Growth (YoY) | -5.01% | -2.63% | -2.44% | 0.38% | 6.51% | 9.36% | 15.19% | 11.05% | +1,067 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.56% | 1.04% | 0.89% | 0.70% | 1.10% | 0.39% | 0.56% | -33 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 | 0.96% | 0.84% | 0.86% | 1.49% | 1.49% | 1.21% | 1.18% | 1.08% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.46% | 8.52% | 8.20% | 7.10% | 6.66% | 6.42% | 6.08% | 5.53% | -157 bps | |
| Net Worth / Assets | 8.46% | 8.52% | 8.20% | 7.10% | 6.66% | 6.42% | 6.08% | 5.53% | -157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.72% | 88.71% | 86.34% | 75.07% | 72.27% | 69.03% | 59.39% | 55.06% | -2,002 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |