Ogden, UT · Charter 15315
Q1 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | -2.01% | -1.52% | -1.25% | 0.70% | +147 bps | |
| Return on Equity | -5.08% | -12.69% | -9.05% | -6.96% | 3.52% | +860 bps | |
| Net Interest Margin | 2.94% | 3.08% | 3.42% | 3.76% | 4.94% | +200 bps | |
| Efficiency Ratio | 125.76% | 136.86% | 126.25% | 119.85% | 86.29% | -3,948 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.93% | -14.32% | -15.30% | -21.26% | -27.60% | -2,368 bps | |
| Loan Growth (YoY) | -14.63% | -15.47% | -14.40% | -14.37% | -17.65% | -302 bps | |
| Share Growth (YoY) | -5.03% | -16.09% | -17.84% | -25.06% | -31.50% | -2,647 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.14% | 0.00% | 0.00% | 0.37% | 0.00% | -414 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.66% | 0.44% | 0.43% | 1.26% | 1.46% | -120 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.16% | 15.83% | 16.75% | 17.91% | 20.00% | +484 bps | |
| Net Worth / Assets | 15.16% | 15.83% | 16.75% | 17.91% | 20.00% | +484 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.52% | 88.67% | 98.02% | 98.66% | 95.60% | +1,608 bps | |
| Liquid Assets / Assets | 31.34% | 22.42% | 13.62% | 16.98% | 21.52% | -982 bps | |