Roosevelt, UT · Charter 15740
Q3 2015
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.42% | -0.14% | 0.07% | -6.18% | -657 bps | |
| Return on Equity | 2.32% | 2.37% | -0.78% | 0.37% | -45.25% | -4,757 bps | |
| Net Interest Margin | 1.59% | 1.64% | 1.68% | 1.63% | -4.78% | -637 bps | |
| Efficiency Ratio | 76.09% | 75.31% | 107.73% | 96.11% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.14% | -13.02% | -6.38% | -8.14% | -6.62% | -448 bps | |
| Loan Growth (YoY) | 28.50% | -7.76% | -6.25% | -11.54% | -20.09% | -4,859 bps | |
| Share Growth (YoY) | -3.06% | -15.81% | -7.90% | -9.97% | -2.79% | +27 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 3.42% | 0.00% | 3.64% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.67% | 2.91% | 3.04% | 3.32% | 3.34% | +67 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.96% | 17.64% | 17.32% | 17.65% | 13.65% | -331 bps | |
| Net Worth / Assets | 16.96% | 17.64% | 17.32% | 17.65% | 13.65% | -331 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.31% | 56.63% | 53.06% | 49.47% | 48.75% | -1,056 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |