Garden City, ID · Charter 68454
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Garden City, ID · Charter 68454
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.54% | 0.03% | -0.19% | -0.41% | -112 bps | |
| Return on Equity | 10.29% | 7.65% | 0.36% | -2.78% | -6.01% | -1,629 bps | |
| Net Interest Margin | 5.41% | 5.41% | 5.05% | 4.91% | 4.95% | -46 bps | |
| Efficiency Ratio | 88.24% | 91.93% | 98.41% | 102.76% | 106.69% | +1,845 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.14% | -6.45% | -2.17% | -2.73% | -2.54% | +660 bps | |
| Loan Growth (YoY) | 21.84% | 2.64% | 1.24% | -4.09% | -6.39% | -2,824 bps | |
| Share Growth (YoY) | -14.04% | -9.12% | -14.62% | -7.78% | -6.06% | +798 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.51% | 1.26% | 0.66% | 0.42% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.17% | 0.12% | 0.15% | 0.15% | 0.02% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.94% | 7.02% | 7.00% | 6.83% | 6.81% | -13 bps | |
| Net Worth / Assets | 6.94% | 7.02% | 7.00% | 6.83% | 6.81% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.40% | 92.84% | 103.09% | 97.39% | 96.05% | -35 bps | |
| Liquid Assets / Assets | 2.54% | 5.54% | 5.77% | 11.52% | 10.70% | +816 bps | |