PackageTrendsPeer
Letter portraitLegal landscape

Utah Peavey Employees

Salt Lake City, UT · Charter 10008

Q4 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2004, the quarter ended December 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Utah Peavey Employees

Salt Lake City, UT · Charter 10008

Q4 2004

$137KAssets
$124KLoans
$97KShares
$41KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.44%, down 128 bps year over year; NIM at 6.70%.
  • Asset quality: problem loans at 3.09% of loans (+309 bps YoY).
  • Capital: net worth / assets of 29.55%, up 304 bps from a year ago.
  • Funding: loans stand at 128.55% of shares as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

0.44%-128 bps YoY

Net Interest Margin (YTD, annualized)

6.70%-14 bps YoY

Efficiency Ratio (YTD, annualized)

93.62%+1,804 bps YoY

Net Worth / Assets

29.55%+304 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets1.73%1.61%1.17%1.08%0.44%-128 bps
Return on Equity6.52%5.96%4.34%3.92%1.50%-501 bps
Net Interest Margin6.84%6.32%6.02%5.45%6.70%-14 bps
Efficiency Ratio75.58%75.48%81.37%80.91%93.62%+1,804 bps
Growth
Asset Growth (YoY)-5.30%-8.82%-4.05%-7.97%-8.93%-363 bps
Loan Growth (YoY)0.11%-9.95%-9.73%-10.60%-6.61%-672 bps
Share Growth (YoY)-8.77%-13.58%-7.13%-12.21%-12.20%-343 bps
Asset Quality
Delinquent Loans / Loans0.00%2.18%2.02%1.92%3.09%+309 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.92%2.15%2.13%2.14%2.06%+14 bps
Capital
Risk-Based Capital26.51%27.02%26.85%27.67%29.55%+304 bps
Net Worth / Assets26.51%27.02%26.85%27.67%29.55%+304 bps
Liquidity & Funding
Loans / Shares120.86%109.93%109.03%112.02%128.55%+769 bps
Liquid Assets / Assets12.39%19.56%20.23%19.20%10.25%-214 bps