Caldwell, ID · Charter 97054
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Caldwell, ID · Charter 97054
NCUA
Q1 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -0.05% | -2.53% | -0.10% | 0.05% | 0.07% | -0.07% | -1.05% | -95 bps | |
| Return on Equity | -3.58% | -0.87% | -65.36% | -2.53% | 1.23% | 1.70% | -1.72% | -26.84% | -2,431 bps | |
| Net Interest Margin | 3.48% | 3.41% | 3.55% | 3.09% | 3.31% | 3.37% | 3.37% | 3.03% | -6 bps | |
| Efficiency Ratio | 104.91% | 101.65% | 171.56% | 101.80% | 99.12% | 98.78% | 98.33% | 116.09% | +1,429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.96% | 1.57% | -3.78% | -10.62% | -11.70% | -14.13% | -10.56% | -6.03% | +458 bps | |
| Loan Growth (YoY) | 0.20% | -1.50% | 3.81% | 2.19% | 4.14% | -0.60% | -6.69% | -5.42% | -761 bps | |
| Share Growth (YoY) | -1.26% | 1.80% | -4.75% | -8.91% | -10.02% | -12.56% | -8.08% | -5.97% | +295 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.46% | 0.74% | 0.42% | 0.63% | 0.96% | 0.53% | 0.79% | +37 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 | 0.70% | 0.79% | 0.76% | 0.76% | 0.50% | 0.53% | 0.58% | 0.69% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.01% | 6.04% | 3.87% | 3.98% | 4.21% | 4.34% | 4.26% | 3.92% | -5 bps | |
| Net Worth / Assets | 6.01% | 6.04% | 3.87% | 3.98% | 4.21% | 4.34% | 4.26% | 3.92% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.52% | 56.77% | 64.63% | 62.65% | 66.58% | 64.54% | 65.61% | 63.01% | +36 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.19% | +9,919 bps | |