Boise, ID · Charter 82514
NCUA · 2 branches
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.01% | -0.04% | -0.07% | -0.15% | -0.04% | 0.12% | -1.98% | -190 bps | |
| Return on Equity | 2.15% | 0.16% | -0.53% | -1.22% | -2.46% | -0.56% | 1.72% | -36.71% | -3,549 bps | |
| Net Interest Margin | 2.96% | 2.81% | 2.67% | 2.31% | 2.09% | 2.19% | 2.32% | 2.49% | +19 bps | |
| Efficiency Ratio | 94.64% | 98.94% | 100.12% | 102.04% | 105.98% | 101.80% | 96.56% | 159.86% | +5,781 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.18% | 10.43% | 13.27% | 25.84% | 21.21% | 11.55% | 0.87% | -18.58% | -4,442 bps | |
| Loan Growth (YoY) | -9.36% | -14.96% | -17.65% | -16.02% | -7.77% | 1.96% | 3.66% | -1.87% | +1,415 bps | |
| Share Growth (YoY) | 6.65% | 11.40% | 14.45% | 28.10% | 23.10% | 12.52% | 0.95% | -23.36% | -5,146 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.45% | 0.31% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.55% | 0.60% | 0.58% | 0.57% | 0.53% | 0.54% | 0.59% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.37% | 7.16% | 6.83% | 5.99% | 5.94% | 6.32% | 6.80% | 5.38% | -61 bps | |
| Net Worth / Assets | 7.37% | 7.16% | 6.83% | 5.99% | 5.94% | 6.32% | 6.80% | 5.38% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.50% | 28.01% | 25.92% | 22.13% | 22.85% | 25.38% | 26.61% | 28.33% | +621 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |