Ogden, UT · Charter 11536
Q4 2011
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.54% | 2.98% | 2.89% | 2.81% | 2.86% | -68 bps | |
| Efficiency Ratio | 113.30% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.57% | 4.04% | 4.67% | 5.29% | 5.90% | +233 bps | |
| Capital | |||||||
| Risk-Based Capital | 69.89% | 71.60% | 70.71% | 70.29% | 73.45% | +356 bps | |
| Net Worth / Assets | 69.89% | 71.60% | 70.71% | 70.29% | 73.45% | +356 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 139.49% | 134.53% | 111.31% | 97.12% | 101.92% | -3,757 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |