PackageTrendsPeer
Letter portraitLegal landscape

Ogden Wonder

Ogden, UT · Charter 11536

Q4 2011

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 2011, the quarter ended December 31, 2011, 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

Ogden Wonder

Ogden, UT · Charter 11536

Q4 2011

$456KAssets
$123KLoans
$121KShares
$335KNet 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 -1.03%, down 51 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 73.45%, up 356 bps from a year ago.
  • Funding: loans stand at 101.92% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.03%-51 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-68 bps YoY

Efficiency Ratio (YTD, annualized)

136.09%+2,280 bps YoY

Net Worth / Assets

73.45%+356 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.52%-1.09%-0.56%-1.14%-1.03%-51 bps
Return on Equity-0.75%-1.52%-0.79%-1.62%-1.40%-65 bps
Net Interest Margin3.54%2.98%2.89%2.81%2.86%-68 bps
Efficiency Ratio113.30%136.59%119.25%140.41%136.09%+2,280 bps
Growth
Asset Growth (YoY)-0.89%-5.75%-2.44%-1.74%-5.96%-507 bps
Loan Growth (YoY)-14.94%-20.68%-34.90%-39.01%-39.50%-2,456 bps
Share Growth (YoY)-0.32%-14.76%-6.19%-2.45%-17.20%-1,688 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.57%4.04%4.67%5.29%5.90%+233 bps
Capital
Risk-Based Capital69.89%71.60%70.71%70.29%73.45%+356 bps
Net Worth / Assets69.89%71.60%70.71%70.29%73.45%+356 bps
Liquidity & Funding
Loans / Shares139.49%134.53%111.31%97.12%101.92%-3,757 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps