Sugar, ID · Charter 67239
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.87% | 5.31% | 5.13% | 4.74% | 4.73% | -14 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 23.35% | 22.67% | 21.53% | 19.84% | 10.59% | -1,276 bps | |
| Loan Growth (YoY) | 8.38% | 5.45% | 7.08% | 12.19% | -2.36% | -1,074 bps | |
| Share Growth (YoY) | 22.33% | 22.18% | 21.70% | 20.33% | 10.51% | -1,182 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.83% | 3.15% | 0.85% | 2.76% | 2.35% | +52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.18% | 1.79% | 2.54% | 2.62% | 2.31% | +13 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 | 82.92% | 83.42% | 81.03% | 81.00% | 73.26% | -966 bps | |
| Liquid Assets / Assets | 23.79% | 22.88% | 25.71% | 24.49% | 31.77% | +798 bps | |