Rupert, ID · Charter 82528
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Rupert, ID · Charter 82528
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.95% | 6.78% | 7.27% | 7.56% | 7.22% | +27 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) | n/a | n/a | -3.89% | -3.20% | 6.24% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 7.30% | 10.07% | 7.88% | n/a | |
| Share Growth (YoY) | n/a | n/a | -10.73% | -7.31% | -0.88% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.99% | 1.67% | 1.54% | 0.34% | 0.95% | -103 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.92% | 3.83% | 5.00% | 3.44% | 3.49% | +58 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 | 89.15% | 97.48% | 89.94% | 87.27% | 97.03% | +788 bps | |
| Liquid Assets / Assets | 24.76% | 20.23% | 25.43% | 28.05% | 22.45% | -231 bps | |