Salt Lake City, UT · Charter 13419
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.95% | -0.92% | -0.60% | -1.00% | 1.23% | +218 bps | |
| Return on Equity | -11.38% | -10.50% | -6.54% | -11.50% | 12.58% | +2,396 bps | |
| Net Interest Margin | 3.73% | 3.81% | 3.72% | 2.62% | 2.73% | -100 bps | |
| Efficiency Ratio | 87.24% | 89.78% | 89.22% | 94.97% | 80.74% | -650 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.73% | -12.27% | -8.44% | -9.90% | -9.67% | -695 bps | |
| Loan Growth (YoY) | -24.75% | -19.81% | -20.66% | -27.04% | -32.92% | -817 bps | |
| Share Growth (YoY) | 0.86% | -10.41% | -9.49% | -9.13% | -10.99% | -1,185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.72% | 1.69% | 0.78% | 0.00% | -38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.10% | 4.23% | 3.98% | 5.10% | 4.15% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.37% | 8.80% | 9.11% | 8.66% | 9.75% | +138 bps | |
| Net Worth / Assets | 8.37% | 8.80% | 9.11% | 8.66% | 9.75% | +138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.93% | 60.56% | 57.79% | 49.35% | 42.15% | -1,378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |