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Canyon Teachers

Nampa, ID · Charter 82508

Q1 2005

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

Return on Assets (quarter, annualized)

0.38%-21 bps YoY

Net Interest Margin (quarter, annualized)

3.84%-8 bps YoY

Efficiency Ratio (quarter, annualized)

89.61%+757 bps YoY

Net Worth / Assets

11.55%+57 bps YoY

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.59%0.50%0.41%0.33%0.38%-21 bps
Return on Equity5.34%4.49%3.49%2.86%3.25%-209 bps
Net Interest Margin3.92%3.88%4.04%3.92%3.84%-8 bps
Efficiency Ratio82.04%83.81%86.24%87.38%89.61%+757 bps
Growth
Asset Growth (YoY)2.61%2.55%-2.40%-1.48%-2.63%-524 bps
Loan Growth (YoY)2.76%5.18%13.08%-3.42%-6.02%-878 bps
Share Growth (YoY)2.31%2.40%-3.12%-1.99%-3.23%-553 bps
Asset Quality
Delinquent Loans / Loans1.28%0.54%1.45%0.99%0.62%-66 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.61%0.67%0.76%0.66%0.61%-1 bps
Capital
Risk-Based Capital10.98%11.03%11.72%11.67%11.55%+57 bps
Net Worth / Assets10.98%11.03%11.72%11.67%11.55%+57 bps
Liquidity & Funding
Loans / Shares58.19%56.86%62.57%59.12%56.51%-168 bps
Liquid Assets / Assets28.80%30.08%23.27%29.42%28.51%-29 bps