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St Lukes

Boise, ID · Charter 66237

NCUA · 3 branches

Q1 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2024, the quarter ended March 31, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St Lukes

Boise, ID · Charter 66237

NCUA · 3 branches

Q1 2024

$12.2MAssets
$8.8MLoans
$9.4MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of -4.17%, down 503 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.90% of loans (-35 bps YoY).
  • Capital: net worth / assets of 11.24%, down 50 bps from a year ago.
  • Funding: loans stand at 93.31% of shares as of Q1 2024.

Return on Assets (YTD, annualized)

-4.17%-503 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+94 bps YoY

Efficiency Ratio (YTD, annualized)

142.19%+7,453 bps YoY

Net Worth / Assets

11.24%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets-1.38%1.01%-1.43%0.86%-1.54%-0.68%0.23%-4.17%-503 bps
Return on Equity-12.32%7.87%-12.73%7.30%-14.04%-5.95%1.94%-37.10%-4,440 bps
Net Interest Margin2.05%2.14%2.82%2.20%2.34%4.44%4.74%3.14%+94 bps
Efficiency Ratio144.87%79.78%137.58%67.66%128.08%107.87%91.87%142.19%+7,453 bps
Growth
Asset Growth (YoY)4.13%-0.10%-6.64%-5.24%-9.28%-12.17%-10.44%-15.13%-989 bps
Loan Growth (YoY)17.59%0.00%174.32%122.36%113.42%164.07%-0.07%-5.59%-12,795 bps
Share Growth (YoY)5.71%0.00%-6.26%-8.93%-17.97%-18.31%-25.08%-21.67%-1,274 bps
Asset Quality
Delinquent Loans / Loans0.13%0.22%0.85%1.25%0.52%1.48%1.89%0.90%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.30%0.32%0.22%0.22%0.37%0.00%0.00%0.00%-22 bps
Capital
Risk-Based Capital11.23%12.82%11.21%11.75%10.94%11.37%12.09%11.24%-50 bps
Net Worth / Assets11.23%12.82%11.21%11.75%10.94%11.37%12.09%11.24%-50 bps
Liquidity & Funding
Loans / Shares32.87%27.49%71.65%77.41%85.51%88.87%95.57%93.31%+1,590 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps