Dugway, UT · Charter 12841
NCUA · 2 branches
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.32% | 0.14% | 0.43% | 0.20% | 0.14% | -0.29% | -32.56% | -3,299 bps | |
| Return on Equity | 1.64% | 1.39% | 0.56% | 1.75% | 0.81% | 0.55% | -1.13% | -168.08% | -16,982 bps | |
| Net Interest Margin | 4.76% | 4.80% | 4.95% | 4.70% | 4.45% | 4.45% | 4.64% | -6.61% | -1,131 bps | |
| Efficiency Ratio | 93.37% | 94.28% | 94.35% | 94.62% | 94.11% | 95.85% | 102.05% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.45% | -1.86% | -7.02% | -5.96% | -0.76% | -4.88% | -7.39% | -12.76% | -680 bps | |
| Loan Growth (YoY) | 2.32% | 6.44% | 7.39% | 7.20% | -11.20% | -18.40% | -15.23% | -22.55% | -2,975 bps | |
| Share Growth (YoY) | -10.04% | -2.99% | -9.31% | -7.90% | -0.81% | -6.12% | -10.05% | -6.55% | +135 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.49% | 2.58% | 2.69% | 3.77% | 4.50% | 2.12% | 6.84% | 4.22% | +45 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 | 0.74% | 0.74% | 1.10% | 1.12% | 1.20% | 1.28% | 1.33% | 0.03% | -110 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.93% | 23.38% | 24.37% | 24.38% | 24.15% | 24.56% | 26.02% | 19.37% | -501 bps | |
| Net Worth / Assets | 23.93% | 23.38% | 24.37% | 24.38% | 24.15% | 24.56% | 26.02% | 19.37% | -501 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.50% | 93.01% | 92.91% | 90.63% | 83.71% | 80.85% | 87.56% | 75.11% | -1,552 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |