Nampa, ID · Charter 66189
Q4 2011
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.75% | -0.72% | -0.89% | -0.62% | -0.52% | +124 bps | |
| Return on Equity | -29.30% | -12.75% | -16.27% | -11.76% | -9.54% | +1,976 bps | |
| Net Interest Margin | 3.41% | 3.26% | 3.38% | 3.23% | 3.28% | -13 bps | |
| Efficiency Ratio | 125.77% | 107.54% | 102.12% | 104.26% | 103.77% | -2,200 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.01% | -2.44% | -4.33% | -0.35% | -0.93% | +408 bps | |
| Loan Growth (YoY) | -11.56% | -21.70% | -20.57% | -17.73% | -13.66% | -210 bps | |
| Share Growth (YoY) | -3.93% | -0.75% | -2.83% | 1.39% | -0.24% | +369 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.81% | 1.92% | 1.31% | 0.97% | 0.82% | -99 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.75% | 1.00% | 0.77% | 0.57% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.99% | 5.66% | 5.48% | 5.26% | 5.42% | -57 bps | |
| Net Worth / Assets | 5.99% | 5.66% | 5.48% | 5.26% | 5.42% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.12% | 53.90% | 54.01% | 50.70% | 50.30% | -782 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |