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St. Alphonsus Medical

Boise, ID · Charter 82537

NCUA · 2 branches

Q3 2020

$5.5MAssets
$2.9MLoans
$5.0MShares
$499KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.02%, down 63 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 0.39% of loans (+26 bps YoY).
  • Capital: net worth / assets of 9.09%, down 100 bps from a year ago.
  • Funding: loans stand at 58.80% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

-0.02%-63 bps YoY

Net Interest Margin (YTD, annualized)

2.96%-113 bps YoY

Efficiency Ratio (YTD, annualized)

99.55%+1,215 bps YoY

Net Worth / Assets

9.09%-100 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.61%0.62%0.63%0.17%-0.02%-63 bps
Return on Equity6.02%6.23%6.14%1.81%-0.20%-622 bps
Net Interest Margin4.09%3.90%3.56%3.07%2.96%-113 bps
Efficiency Ratio87.40%86.70%85.42%94.90%99.55%+1,215 bps
Growth
Asset Growth (YoY)-9.72%-9.54%-11.22%6.13%12.82%+2,254 bps
Loan Growth (YoY)-1.66%-4.54%-12.27%-22.63%-24.67%-2,301 bps
Share Growth (YoY)-11.41%-11.12%-12.86%6.33%14.13%+2,554 bps
Asset Quality
Delinquent Loans / Loans0.13%0.31%0.57%0.27%0.39%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.56%0.65%0.49%0.51%0.55%-1 bps
Capital
Risk-Based Capital10.08%9.98%10.20%9.12%9.09%-100 bps
Net Worth / Assets10.08%9.98%10.20%9.12%9.09%-100 bps
Liquidity & Funding
Loans / Shares89.08%79.71%76.07%62.95%58.80%-3,029 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps