Boise, ID · Charter 82537
NCUA · 2 branches
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.66% | 0.61% | 0.61% | 0.62% | 0.63% | 0.17% | -0.02% | -63 bps | |
| Return on Equity | 7.12% | 7.69% | 6.51% | 6.02% | 6.23% | 6.14% | 1.81% | -0.20% | -622 bps | |
| Net Interest Margin | 3.37% | 3.51% | 3.81% | 4.09% | 3.90% | 3.56% | 3.07% | 2.96% | -113 bps | |
| Efficiency Ratio | 84.32% | 85.12% | 86.39% | 87.40% | 86.70% | 85.42% | 94.90% | 99.55% | +1,215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | 2.61% | -7.52% | -9.72% | -9.54% | -11.22% | 6.13% | 12.82% | +2,254 bps | |
| Loan Growth (YoY) | 6.66% | 9.10% | 14.78% | -1.66% | -4.54% | -12.27% | -22.63% | -24.67% | -2,301 bps | |
| Share Growth (YoY) | 0.55% | 2.01% | -9.71% | -11.41% | -11.12% | -12.86% | 6.33% | 14.13% | +2,554 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.37% | 0.47% | 0.13% | 0.31% | 0.57% | 0.27% | 0.39% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.47% | 0.51% | 0.56% | 0.65% | 0.49% | 0.51% | 0.55% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.46% | 8.53% | 9.29% | 10.08% | 9.98% | 10.20% | 9.12% | 9.09% | -100 bps | |
| Net Worth / Assets | 8.46% | 8.53% | 9.29% | 10.08% | 9.98% | 10.20% | 9.12% | 9.09% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.21% | 75.56% | 86.53% | 89.08% | 79.71% | 76.07% | 62.95% | 58.80% | -3,029 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |