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Boise, ID · Charter 68594

NCUA · 8 branches

Q2 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

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Boise, ID · Charter 68594

NCUA · 8 branches

Q2 2020

$360.5MAssets
$294.3MLoans
$312.5MShares
$43.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.99%, down 4 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.05% of loans (-19 bps YoY).
  • Capital: net worth / assets of 12.12%, down 60 bps from a year ago.
  • Funding: loans stand at 94.18% of shares as of Q2 2020.

Return on Assets (YTD, annualized)

0.99%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.03%-5 bps YoY

Efficiency Ratio (YTD, annualized)

74.99%+180 bps YoY

Net Worth / Assets

12.12%-60 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets0.65%0.69%1.06%1.03%1.04%0.98%1.11%0.99%-4 bps
Return on Equity5.02%5.25%8.33%8.12%8.21%8.01%8.87%8.20%+9 bps
Net Interest Margin2.79%2.89%3.07%3.08%3.08%2.99%3.27%3.03%-5 bps
Efficiency Ratio77.02%76.25%75.71%73.20%72.85%73.48%72.79%74.99%+180 bps
Growth
Asset Growth (YoY)4.75%5.29%8.13%9.76%10.94%16.84%10.01%14.16%+439 bps
Loan Growth (YoY)10.10%8.99%5.45%3.52%2.80%7.00%9.73%12.33%+881 bps
Share Growth (YoY)2.02%4.78%4.98%7.89%11.57%15.37%14.41%17.41%+952 bps
Asset Quality
Delinquent Loans / Loans0.25%0.16%0.20%0.24%0.16%0.16%0.22%0.05%-19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.46%0.49%0.43%0.46%0.46%0.44%0.43%0.41%-5 bps
Capital
Risk-Based Capital12.95%13.16%12.71%12.72%12.63%12.24%12.58%12.12%-60 bps
Net Worth / Assets12.95%13.16%12.71%12.72%12.63%12.24%12.58%12.12%-60 bps
Liquidity & Funding
Loans / Shares105.17%103.14%99.53%98.43%96.91%95.66%95.47%94.18%-426 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps