Idaho Falls, ID · Charter 82520
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Idaho Falls, ID · Charter 82520
Q4 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.03% | 0.09% | 0.06% | -0.35% | -49 bps | |
| Return on Equity | 1.90% | 0.36% | 1.19% | 0.79% | -4.24% | -614 bps | |
| Net Interest Margin | 3.47% | 2.96% | 2.97% | 2.87% | 3.14% | -34 bps | |
| Efficiency Ratio | 90.21% | 95.79% | 94.89% | 95.72% | 99.94% | +972 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.08% | 2.12% | 1.35% | 1.06% | -9.89% | -1,697 bps | |
| Loan Growth (YoY) | -13.03% | -9.16% | -6.28% | -5.88% | -18.75% | -572 bps | |
| Share Growth (YoY) | 7.35% | 2.62% | 1.49% | 1.09% | -9.73% | -1,708 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.74% | 0.58% | 0.56% | 0.86% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.43% | 0.41% | 0.41% | 0.67% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.67% | 7.55% | 7.72% | 7.60% | 8.16% | +50 bps | |
| Net Worth / Assets | 7.67% | 7.55% | 7.72% | 7.60% | 8.16% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.78% | 70.89% | 72.41% | 69.49% | 64.60% | -717 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |