Twin Falls, ID · Charter 66167
Q4 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.58% | 4.63% | 5.04% | 3.92% | 4.55% | -4 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -0.66% | -5.33% | -6.36% | 0.15% | n/a | |
| Loan Growth (YoY) | n/a | -6.81% | -5.69% | -2.74% | -9.35% | n/a | |
| Share Growth (YoY) | n/a | -2.72% | -10.06% | -12.02% | -4.03% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.98% | 2.75% | 4.47% | 4.47% | 3.83% | +84 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.00% | 3.14% | 3.40% | 3.62% | 2.88% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 114.17% | 112.12% | 112.40% | 115.03% | 107.84% | -633 bps | |
| Liquid Assets / Assets | 12.26% | 12.49% | 11.96% | 15.78% | 19.26% | +699 bps | |