PackageTrendsPeer
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E.S.A.

Boise, ID · Charter 82514

NCUA · 2 branches

Q4 2021

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: Q4 2021, the quarter ended December 31, 2021, 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 2026-10-10

E.S.A.

Boise, ID · Charter 82514

NCUA · 2 branches

Q4 2021

$6.8MAssets
$1.7MLoans
$6.0MShares
$365KNet 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 -1.98%, down 190 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.03% of loans (+3 bps YoY).
  • Capital: net worth / assets of 5.38%, down 61 bps from a year ago.
  • Funding: loans stand at 28.33% of shares as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

-1.98%-190 bps YoY

Net Interest Margin (YTD, annualized)

2.49%+19 bps YoY

Efficiency Ratio (YTD, annualized)

159.86%+5,781 bps YoY

Net Worth / Assets

5.38%-61 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets-0.07%-0.15%-0.04%0.12%-1.98%-190 bps
Return on Equity-1.22%-2.46%-0.56%1.72%-36.71%-3,549 bps
Net Interest Margin2.31%2.09%2.19%2.32%2.49%+19 bps
Efficiency Ratio102.04%105.98%101.80%96.56%159.86%+5,781 bps
Growth
Asset Growth (YoY)25.84%21.21%11.55%0.87%-18.58%-4,442 bps
Loan Growth (YoY)-16.02%-7.77%1.96%3.66%-1.87%+1,415 bps
Share Growth (YoY)28.10%23.10%12.52%0.95%-23.36%-5,146 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.03%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.58%0.57%0.53%0.54%0.59%+1 bps
Capital
Risk-Based Capital5.99%5.94%6.32%6.80%5.38%-61 bps
Net Worth / Assets5.99%5.94%6.32%6.80%5.38%-61 bps
Liquidity & Funding
Loans / Shares22.13%22.85%25.38%26.61%28.33%+621 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps