Lewiston, ID · Charter 82524
Q1 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.52% | -1.39% | -1.31% | -1.39% | -20.31% | -1,879 bps | |
| Return on Equity | -11.17% | -10.47% | -9.99% | -10.98% | -225% | -21,368 bps | |
| Net Interest Margin | 2.25% | 2.12% | 1.92% | 1.71% | 2.04% | -21 bps | |
| Efficiency Ratio | 167.44% | 161.38% | 164.94% | 175.32% | 151.18% | -1,625 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.48% | 12.69% | -2.88% | -1.28% | -10.88% | -2,336 bps | |
| Loan Growth (YoY) | -51.74% | -51.90% | -50.05% | -42.13% | -48.42% | +332 bps | |
| Share Growth (YoY) | 20.69% | 20.32% | -1.77% | 0.18% | -6.01% | -2,670 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 42.59% | 42.30% | 45.94% | 88.14% | 46.12% | +353 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 21.01% | 23.90% | 28.04% | 32.59% | 78.20% | +5,718 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.57% | 13.24% | 13.08% | 12.64% | 9.03% | -454 bps | |
| Net Worth / Assets | 13.57% | 13.24% | 13.08% | 12.64% | 9.03% | -454 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.63% | 24.58% | 21.24% | 18.44% | 15.16% | -1,247 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |