Nampa, ID · Charter 8493
NCUA · 1 branch
Q4 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2020, the quarter ended December 31, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Nampa, ID · Charter 8493
NCUA · 1 branch
Q4 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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.04% | -1.51% | -0.59% | -2.42% | -6.33% | -14.13% | -11.45% | -7.79% | -537 bps | |
| Return on Equity | -21.40% | -10.63% | -4.17% | -17.54% | -50.84% | -201% | -199.92% | -136.46% | -11,892 bps | |
| Net Interest Margin | 6.44% | 6.18% | 6.03% | 6.49% | 5.59% | 5.61% | 5.37% | 5.12% | -138 bps | |
| Efficiency Ratio | 100.66% | 100.23% | 95.06% | 99.23% | 130.04% | 120.75% | 127.83% | 123.98% | +2,474 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | 3.98% | 9.11% | -4.57% | -9.41% | -9.82% | -12.92% | 2.19% | +676 bps | |
| Loan Growth (YoY) | 2.27% | -4.38% | -3.97% | -4.21% | -12.07% | -24.67% | -25.72% | -20.90% | -1,669 bps | |
| Share Growth (YoY) | 2.64% | 11.30% | 12.15% | -2.36% | -6.50% | -2.78% | -4.17% | 10.85% | +1,320 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.58% | 4.38% | 5.76% | 6.61% | 7.68% | 1.40% | 5.20% | 5.44% | -117 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 | 2.39% | 2.44% | 2.55% | 3.61% | 5.22% | 8.34% | 10.52% | 9.50% | +589 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.19% | 14.18% | 14.21% | 13.80% | 12.46% | 7.03% | 5.73% | 5.71% | -809 bps | |
| Net Worth / Assets | 14.19% | 14.18% | 14.21% | 13.80% | 12.46% | 7.03% | 5.73% | 5.71% | -809 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.87% | 84.70% | 79.32% | 85.16% | 82.63% | 65.63% | 61.49% | 60.77% | -2,439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |