Burley, ID · Charter 82509
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.05% | 0.11% | 0.06% | -0.06% | -10 bps | |
| Return on Equity | 0.32% | 0.39% | 0.93% | 0.50% | -0.49% | -82 bps | |
| Net Interest Margin | 2.95% | 2.92% | 2.77% | 2.84% | 2.67% | -28 bps | |
| Efficiency Ratio | 98.73% | 98.48% | 96.26% | 98.01% | 102.02% | +329 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.11% | -8.83% | 1.43% | -4.73% | 3.93% | +1,505 bps | |
| Loan Growth (YoY) | 1.32% | -2.16% | -1.58% | -7.59% | -11.88% | -1,320 bps | |
| Share Growth (YoY) | -11.99% | -9.47% | 1.62% | -5.39% | 4.44% | +1,642 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.31% | 0.00% | 1.39% | +139 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.97% | 0.96% | 1.20% | 1.22% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.86% | 11.85% | 11.50% | 11.82% | 11.48% | -39 bps | |
| Net Worth / Assets | 11.86% | 11.85% | 11.50% | 11.82% | 11.48% | -39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.84% | 40.37% | 38.94% | 37.09% | 35.31% | -654 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |