Boise, ID · Charter 66237
NCUA · 3 branches
Q1 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.05% | 2.14% | 2.82% | 2.20% | 2.34% | 4.44% | 4.74% | 3.14% | +94 bps | |
| Efficiency Ratio | 144.87% | 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 / Loans | 0.13% | 0.22% | 0.85% | 1.25% | 0.52% | 1.48% | 1.89% | 0.90% | -35 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 | 0.30% | 0.32% | 0.22% | 0.22% | 0.37% | 0.00% | 0.00% | 0.00% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.23% | 12.82% | 11.21% | 11.75% | 10.94% | 11.37% | 12.09% | 11.24% | -50 bps | |
| Net Worth / Assets | 11.23% | 12.82% | 11.21% | 11.75% | 10.94% | 11.37% | 12.09% | 11.24% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.87% | 27.49% | 71.65% | 77.41% | 85.51% | 88.87% | 95.57% | 93.31% | +1,590 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |