Twin Falls, ID · Charter 82526
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Twin Falls, ID · Charter 82526
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.37% | 4.36% | 3.07% | 2.58% | 1.85% | -252 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -3.46% | 2.77% | 1.86% | 11.22% | -6.25% | -278 bps | |
| Loan Growth (YoY) | 11.32% | 24.27% | -21.77% | 13.91% | -6.21% | -1,753 bps | |
| Share Growth (YoY) | -5.93% | 0.66% | 1.36% | -1.62% | -5.08% | +85 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.29% | 1.01% | 4.70% | 12.10% | +1,210 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.75% | 2.16% | 1.55% | 1.85% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.32% | 94.21% | 83.26% | 121.72% | 104.07% | -125 bps | |
| Liquid Assets / Assets | 6.48% | 16.89% | 25.28% | 4.25% | 0.00% | -648 bps | |