Boise, ID · Charter 68594
NCUA · 8 branches
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Boise, ID · Charter 68594
NCUA · 8 branches
Q2 2020
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 1.04% | 0.98% | 1.11% | 0.99% | -4 bps | |
| Return on Equity | 8.12% | 8.21% | 8.01% | 8.87% | 8.20% | +9 bps | |
| Net Interest Margin | 3.08% | 3.08% | 2.99% | 3.27% | 3.03% | -5 bps | |
| Efficiency Ratio | 73.20% | 72.85% | 73.48% | 72.79% | 74.99% | +180 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.76% | 10.94% | 16.84% | 10.01% | 14.16% | +439 bps | |
| Loan Growth (YoY) | 3.52% | 2.80% | 7.00% | 9.73% | 12.33% | +881 bps | |
| Share Growth (YoY) | 7.89% | 11.57% | 15.37% | 14.41% | 17.41% | +952 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.16% | 0.16% | 0.22% | 0.05% | -19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.46% | 0.44% | 0.43% | 0.41% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.72% | 12.63% | 12.24% | 12.58% | 12.12% | -60 bps | |
| Net Worth / Assets | 12.72% | 12.63% | 12.24% | 12.58% | 12.12% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.43% | 96.91% | 95.66% | 95.47% | 94.18% | -426 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |