Lewiston, ID · Charter 82546
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.24% | -0.48% | -0.52% | -0.47% | -0.40% | -0.24% | -0.72% | -20 bps | |
| Return on Equity | -1.84% | -3.87% | -7.99% | -8.63% | -8.16% | -7.04% | -4.33% | -13.91% | -528 bps | |
| Net Interest Margin | 2.13% | 1.98% | 2.03% | 2.09% | 2.06% | 2.14% | 2.10% | 2.10% | 0 bps | |
| Efficiency Ratio | 102.48% | 106.93% | 106.75% | 106.47% | 106.84% | 111.32% | 106.94% | 120.54% | +1,407 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.61% | -3.47% | -1.47% | -1.46% | 4.24% | -0.35% | 1.53% | 2.92% | +438 bps | |
| Loan Growth (YoY) | -0.64% | -2.99% | 6.33% | 3.47% | 7.49% | 4.60% | 21.94% | 15.86% | +1,239 bps | |
| Share Growth (YoY) | -6.64% | -4.08% | -1.68% | -1.13% | 5.76% | 1.86% | 3.43% | 2.44% | +358 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.48% | 0.31% | 0.22% | 0.13% | 0.25% | 0.18% | 0.41% | +19 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 | 0.61% | 0.47% | 0.67% | 0.76% | 0.76% | 0.80% | 0.55% | 0.55% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.46% | 6.11% | 6.03% | 5.98% | 5.73% | 5.62% | 5.59% | 5.18% | -80 bps | |
| Net Worth / Assets | 6.46% | 6.11% | 6.03% | 5.98% | 5.73% | 5.62% | 5.59% | 5.18% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.58% | 32.14% | 34.96% | 35.26% | 35.14% | 33.00% | 41.21% | 39.88% | +462 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |