Boise, ID · Charter 82503
Q3 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.15% | -17.21% | -15.86% | -10.32% | -1,166 bps | |
| Return on Equity | 14.18% | 11.05% | -293% | -441% | -310% | -32,409 bps | |
| Net Interest Margin | 7.86% | 8.26% | 7.94% | 8.19% | 8.25% | +39 bps | |
| Efficiency Ratio | 83.30% | 83.85% | 107.64% | 103.99% | 101.08% | +1,778 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.77% | 9.35% | 7.40% | -17.03% | -14.94% | -3,071 bps | |
| Loan Growth (YoY) | 32.56% | 22.46% | 2.15% | -6.30% | -24.05% | -5,661 bps | |
| Share Growth (YoY) | 16.12% | 6.99% | 13.94% | -12.39% | -10.40% | -2,653 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 1.00% | 20.68% | 12.15% | 23.89% | +2,260 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.18% | 1.45% | 6.15% | 9.91% | 4.22% | +304 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.45% | 10.42% | 5.88% | 3.60% | 3.33% | -612 bps | |
| Net Worth / Assets | 9.45% | 10.42% | 5.88% | 3.60% | 3.33% | -612 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.12% | 109.36% | 93.43% | 96.14% | 88.27% | -1,585 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |