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Canyon Teachers

Nampa, ID · Charter 82508

Q1 2005

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: Q1 2005, the quarter ended March 31, 2005, 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

Canyon Teachers

Nampa, ID · Charter 82508

Q1 2005

$5.8MAssets
$2.9MLoans
$5.2MShares
$675KNet Worth

Executive Summary

  • Earnings: ROA of 0.38%, down 21 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.62% of loans (-66 bps YoY).
  • Capital: net worth / assets of 11.55%, up 57 bps from a year ago.
  • Funding: loans stand at 56.51% of shares as of Q1 2005.

Return on Assets (YTD, annualized)

0.38%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.84%-8 bps YoY

Efficiency Ratio (YTD, annualized)

89.61%+757 bps YoY

Net Worth / Assets

11.55%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.48%0.63%0.57%0.59%0.50%0.41%0.33%0.38%-21 bps
Return on Equity4.46%5.74%5.07%5.34%4.49%3.49%2.86%3.25%-209 bps
Net Interest Margin3.94%4.01%3.97%3.92%3.88%4.04%3.92%3.84%-8 bps
Efficiency Ratio86.44%82.98%83.90%82.04%83.81%86.24%87.38%89.61%+757 bps
Growth
Asset Growth (YoY)11.08%10.91%7.73%2.61%2.55%-2.40%-1.48%-2.63%-524 bps
Loan Growth (YoY)-1.05%-11.42%1.84%2.76%5.18%13.08%-3.42%-6.02%-878 bps
Share Growth (YoY)11.63%11.55%8.01%2.31%2.40%-3.12%-1.99%-3.23%-553 bps
Asset Quality
Delinquent Loans / Loans1.10%1.20%1.42%1.28%0.54%1.45%0.99%0.62%-66 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.95%0.39%0.50%0.61%0.67%0.76%0.66%0.61%-1 bps
Capital
Risk-Based Capital10.83%11.04%11.17%10.98%11.03%11.72%11.67%11.55%+57 bps
Net Worth / Assets10.83%11.04%11.17%10.98%11.03%11.72%11.67%11.55%+57 bps
Liquidity & Funding
Loans / Shares55.36%53.60%60.00%58.19%56.86%62.57%59.12%56.51%-168 bps
Liquid Assets / Assets32.05%27.13%44.08%28.80%30.08%23.27%29.42%28.51%-29 bps