Green River, UT · Charter 15654
Q1 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 0.72% | 0.78% | 0.73% | 0.82% | -50 bps | |
| Return on Equity | 14.10% | 7.99% | 7.83% | 7.14% | 7.81% | -629 bps | |
| Net Interest Margin | 4.89% | 4.96% | 5.58% | 5.67% | 4.91% | +2 bps | |
| Efficiency Ratio | 56.34% | 62.88% | 58.37% | 56.57% | 58.60% | +226 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.36% | 21.19% | 8.43% | 5.10% | -5.63% | -1,999 bps | |
| Loan Growth (YoY) | 7.30% | 23.21% | 21.69% | 7.56% | -4.82% | -1,212 bps | |
| Share Growth (YoY) | 15.47% | 23.05% | 8.98% | 5.23% | -6.68% | -2,215 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.59% | 11.47% | 6.85% | 10.96% | 13.33% | +274 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.51% | 2.23% | 2.97% | 3.62% | +246 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.36% | 9.00% | 9.95% | 10.23% | 10.51% | +115 bps | |
| Net Worth / Assets | 9.36% | 9.00% | 9.95% | 10.23% | 10.51% | +115 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.55% | 88.50% | 93.44% | 92.49% | 86.24% | +168 bps | |
| Liquid Assets / Assets | 23.23% | 19.92% | 16.16% | 18.02% | 24.31% | +107 bps | |