Sigurd, UT · Charter 15251
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sigurd, UT · Charter 15251
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 0.83% | 0.70% | -12.96% | -0.03% | -122 bps | |
| Return on Equity | 5.85% | 3.91% | 3.25% | -112.06% | -0.24% | -610 bps | |
| Net Interest Margin | 4.76% | 4.42% | 4.34% | 4.99% | 4.80% | +4 bps | |
| Efficiency Ratio | 69.63% | 75.87% | 78.47% | 81.26% | 94.87% | +2,524 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.19% | -7.81% | -8.44% | -21.07% | -20.40% | -1,622 bps | |
| Loan Growth (YoY) | -6.03% | -6.09% | -8.97% | -31.76% | -41.18% | -3,515 bps | |
| Share Growth (YoY) | -6.15% | -10.65% | -11.34% | -14.35% | -11.89% | -574 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 21.52% | 23.33% | 16.34% | 24.05% | 28.45% | +693 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.23% | 7.85% | 8.98% | 6.45% | 8.19% | +96 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.35% | 21.09% | 21.61% | 11.57% | 11.88% | -848 bps | |
| Net Worth / Assets | 20.35% | 21.09% | 21.61% | 11.57% | 11.88% | -848 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.77% | 58.91% | 56.00% | 40.49% | 37.23% | -1,854 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |