Lewiston, ID · Charter 82545
Q3 2012
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.32% | 0.09% | 0.69% | -0.88% | -129 bps | |
| Return on Equity | 2.47% | 1.91% | 0.56% | 3.95% | -4.42% | -690 bps | |
| Net Interest Margin | 3.62% | 3.28% | 3.39% | 3.26% | 3.66% | +4 bps | |
| Efficiency Ratio | 90.01% | 91.79% | 97.49% | 114.77% | 140.25% | +5,024 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.52% | -0.71% | 2.10% | -2.50% | -17.39% | -1,487 bps | |
| Loan Growth (YoY) | -33.98% | -26.25% | -14.15% | -15.74% | -25.06% | +892 bps | |
| Share Growth (YoY) | -3.47% | -1.34% | 2.23% | -3.74% | -20.49% | -1,702 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.32% | 4.24% | 4.12% | 4.23% | 4.67% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.42% | 1.47% | 0.17% | 0.49% | -93 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.90% | 16.48% | 16.73% | 17.54% | 19.81% | +291 bps | |
| Net Worth / Assets | 16.90% | 16.48% | 16.73% | 17.54% | 19.81% | +291 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.58% | 55.78% | 54.77% | 52.37% | 54.28% | -331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |