Boise, ID · Charter 68594
NCUA · 8 branches
Q2 2020
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.69% | 1.06% | 1.03% | 1.04% | 0.98% | 1.11% | 0.99% | -4 bps | |
| Return on Equity | 5.02% | 5.25% | 8.33% | 8.12% | 8.21% | 8.01% | 8.87% | 8.20% | +9 bps | |
| Net Interest Margin | 2.79% | 2.89% | 3.07% | 3.08% | 3.08% | 2.99% | 3.27% | 3.03% | -5 bps | |
| Efficiency Ratio | 77.02% | 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 / Loans | 0.25% | 0.16% | 0.20% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.49% | 0.43% | 0.46% | 0.46% | 0.44% | 0.43% | 0.41% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.95% | 13.16% | 12.71% | 12.72% | 12.63% | 12.24% | 12.58% | 12.12% | -60 bps | |
| Net Worth / Assets | 12.95% | 13.16% | 12.71% | 12.72% | 12.63% | 12.24% | 12.58% | 12.12% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.17% | 103.14% | 99.53% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |