Nampa, ID · Charter 9520
Q2 1999
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.89% | 3.84% | 4.08% | 4.39% | 4.03% | +15 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 17.75% | 11.71% | 3.61% | 6.06% | 16.26% | -149 bps | |
| Loan Growth (YoY) | 17.83% | 19.46% | 16.77% | 8.92% | 5.29% | -1,254 bps | |
| Share Growth (YoY) | 17.42% | 11.04% | 3.19% | 5.41% | 16.02% | -140 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.22% | 1.43% | 1.14% | 0.67% | 0.50% | -172 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.10% | 0.05% | 0.26% | 0.30% | 0.33% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.76% | 84.73% | 82.47% | 78.98% | 69.66% | -710 bps | |
| Liquid Assets / Assets | 19.07% | 16.66% | 16.64% | 22.75% | 24.49% | +542 bps | |