Boise, ID · Charter 7667
Q3 2008
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 1.17% | 0.71% | 0.94% | 0.96% | -28 bps | |
| Return on Equity | 10.16% | 9.64% | 6.04% | 7.68% | 7.83% | -232 bps | |
| Net Interest Margin | 3.39% | 3.35% | 3.16% | 3.31% | 3.35% | -4 bps | |
| Efficiency Ratio | 71.56% | 71.78% | 77.69% | 72.63% | 72.18% | +61 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.44% | 7.61% | 8.27% | 7.35% | 7.89% | +144 bps | |
| Loan Growth (YoY) | 7.26% | 7.47% | 8.05% | 7.60% | 4.65% | -261 bps | |
| Share Growth (YoY) | 5.80% | 7.20% | 7.53% | 6.86% | 7.99% | +219 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.32% | 0.57% | 0.37% | 0.64% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.36% | 0.34% | 0.31% | 0.30% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.14% | 12.18% | 11.84% | 12.17% | 12.22% | +8 bps | |
| Net Worth / Assets | 12.14% | 12.18% | 11.84% | 12.17% | 12.22% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.79% | 91.89% | 88.93% | 91.34% | 89.92% | -287 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |