Boise, ID · Charter 8360
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 1.66% | 1.38% | 1.42% | 1.17% | +31 bps | |
| Return on Equity | 6.67% | 11.78% | 9.26% | 8.71% | 7.24% | +57 bps | |
| Net Interest Margin | 5.71% | 5.69% | 5.41% | 5.51% | 5.21% | -50 bps | |
| Efficiency Ratio | 86.87% | 79.98% | 83.75% | 83.56% | 85.91% | -96 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.66% | -13.85% | -19.74% | -23.80% | -14.18% | -1,052 bps | |
| Loan Growth (YoY) | -5.23% | -8.63% | -16.67% | -23.72% | -25.80% | -2,058 bps | |
| Share Growth (YoY) | -5.10% | -16.73% | -23.16% | -27.91% | -17.31% | -1,221 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.12% | 0.14% | 1.22% | 0.38% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 1.62% | 1.63% | 1.80% | 0.94% | -59 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.87% | 14.11% | 14.94% | 16.34% | 16.17% | +330 bps | |
| Net Worth / Assets | 12.87% | 14.11% | 14.94% | 16.34% | 16.17% | +330 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.19% | 85.88% | 85.77% | 84.23% | 75.54% | -865 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |