Twin Falls, ID · Charter 82543
Q4 2011
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.50% | 3.59% | 4.33% | 4.59% | -4.75% | -725 bps | |
| Return on Equity | 15.52% | 23.75% | 26.80% | 25.82% | -40.84% | -5,637 bps | |
| Net Interest Margin | 6.98% | 6.78% | 6.90% | 7.05% | -0.89% | -788 bps | |
| Efficiency Ratio | 64.92% | 47.02% | 37.19% | 34.81% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.33% | -4.23% | 3.12% | 5.21% | -9.35% | -902 bps | |
| Loan Growth (YoY) | 27.12% | 15.15% | 19.03% | 15.95% | -1.61% | -2,873 bps | |
| Share Growth (YoY) | -3.74% | -7.51% | 0.03% | 0.67% | -4.56% | -82 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.13% | 7.01% | 7.25% | 7.17% | 7.25% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.08% | 15.13% | 16.17% | 17.79% | 11.64% | -444 bps | |
| Net Worth / Assets | 16.08% | 15.13% | 16.17% | 17.79% | 11.64% | -444 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.14% | 77.88% | 74.96% | 80.47% | 84.68% | +254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |