Grantsville, UT · Charter 12840
NCUA
Q1 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.58% | -1.10% | -0.71% | -1.24% | -1.22% | -1.52% | -1.56% | -1.40% | -16 bps | |
| Return on Equity | -7.18% | -13.95% | -9.00% | -16.36% | -16.67% | -22.31% | -22.65% | -20.77% | -442 bps | |
| Net Interest Margin | 3.08% | 3.18% | 3.07% | 2.36% | 2.39% | 2.39% | 2.50% | 2.31% | -5 bps | |
| Efficiency Ratio | 110.27% | 110.82% | 112.89% | 140.23% | 139.60% | 137.76% | 139.17% | 145.92% | +569 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.56% | -3.67% | -3.49% | -4.91% | -2.96% | 0.53% | -6.27% | -9.19% | -428 bps | |
| Loan Growth (YoY) | -11.89% | -17.04% | -17.97% | -12.69% | -16.64% | -11.69% | -14.03% | -19.31% | -662 bps | |
| Share Growth (YoY) | -2.25% | -3.00% | -3.05% | -4.28% | -2.16% | 1.70% | -5.37% | -8.50% | -421 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.14% | 0.06% | 0.02% | 1.32% | 0.88% | 0.85% | 0.81% | 0.91% | -41 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 | 1.23% | 1.58% | 1.08% | 1.09% | 0.23% | 1.21% | 1.41% | 1.61% | +52 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.11% | 7.91% | 7.90% | 7.56% | 7.33% | 6.83% | 6.87% | 6.72% | -84 bps | |
| Net Worth / Assets | 8.11% | 7.91% | 7.90% | 7.56% | 7.33% | 6.83% | 6.87% | 6.72% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.24% | 36.14% | 34.50% | 34.38% | 31.73% | 31.38% | 31.35% | 30.32% | -406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |