Pierce, ID · Charter 66852
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.35% | 0.56% | 2.92% | -0.20% | -88 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 | 8.09% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 102.14% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -20.42% | -14.98% | -6.87% | 3.51% | 7.28% | +2,770 bps | |
| Loan Growth (YoY) | -33.18% | -29.61% | 10.53% | 9.20% | 28.51% | +6,169 bps | |
| Share Growth (YoY) | -25.63% | -12.69% | -6.79% | 8.88% | 11.06% | +3,669 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.05% | 11.29% | 4.89% | 4.75% | 1.33% | -472 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.67% | 2.76% | 2.53% | 3.08% | 0.71% | -296 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 | 121.14% | 117.95% | 135.10% | 139.78% | 140.18% | +1,903 bps | |
| Liquid Assets / Assets | 20.32% | 17.28% | 5.38% | 5.50% | 2.07% | -1,825 bps | |