Nampa, ID · Charter 67171
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.80% | 0.14% | -10.51% | -36.85% | -3,759 bps | |
| Return on Equity | 10.98% | 11.32% | 1.94% | -348% | n/a | n/a | |
| Net Interest Margin | 9.08% | 9.09% | 9.12% | 9.75% | 11.12% | +204 bps | |
| Efficiency Ratio | 66.97% | 66.65% | 67.66% | 81.86% | 102.96% | +3,599 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.40% | 13.48% | 3.58% | -16.60% | -33.31% | -5,271 bps | |
| Loan Growth (YoY) | 6.35% | 0.34% | -16.64% | -28.18% | -45.26% | -5,160 bps | |
| Share Growth (YoY) | 21.63% | 13.03% | 4.19% | -13.81% | -16.31% | -3,793 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.25% | 12.57% | 22.37% | 19.34% | 7.37% | +113 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.18% | 2.50% | 2.44% | 3.50% | 15.92% | +1,374 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.67% | 7.04% | 7.28% | 3.02% | -17.19% | -2,386 bps | |
| Net Worth / Assets | 6.67% | 7.04% | 7.28% | 3.02% | -17.19% | -2,386 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.00% | 90.07% | 84.41% | 75.83% | 60.17% | -3,183 bps | |
| Liquid Assets / Assets | 11.04% | 12.06% | 18.02% | 22.05% | 33.78% | +2,275 bps | |