Salt Lake City, UT · Charter 10008
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.73% | 1.61% | 1.17% | 1.08% | 0.44% | -128 bps | |
| Return on Equity | 6.52% | 5.96% | 4.34% | 3.92% | 1.50% | -501 bps | |
| Net Interest Margin | 6.84% | 6.32% | 6.02% | 5.45% | 6.70% | -14 bps | |
| Efficiency Ratio | 75.58% | 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 / Loans | 0.00% | 2.18% | 2.02% | 1.92% | 3.09% | +309 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.92% | 2.15% | 2.13% | 2.14% | 2.06% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.51% | 27.02% | 26.85% | 27.67% | 29.55% | +304 bps | |
| Net Worth / Assets | 26.51% | 27.02% | 26.85% | 27.67% | 29.55% | +304 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 120.86% | 109.93% | 109.03% | 112.02% | 128.55% | +769 bps | |
| Liquid Assets / Assets | 12.39% | 19.56% | 20.23% | 19.20% | 10.25% | -214 bps | |