Salt Lake City, UT · Charter 24728
Q4 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.22% | 0.83% | 0.61% | 0.56% | -8 bps | |
| Return on Equity | 4.73% | 1.63% | 5.92% | 4.31% | 3.92% | -80 bps | |
| Net Interest Margin | 4.14% | 3.93% | 4.29% | 4.18% | 4.53% | +39 bps | |
| Efficiency Ratio | 84.19% | 93.77% | 83.49% | 87.61% | 89.47% | +528 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.19% | -1.58% | -8.46% | -1.50% | -1.14% | +105 bps | |
| Loan Growth (YoY) | 10.13% | 19.72% | 16.57% | 11.31% | 10.81% | +68 bps | |
| Share Growth (YoY) | -8.57% | -2.42% | -10.79% | -2.94% | 3.53% | +1,211 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.53% | 0.17% | 0.19% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.72% | 0.73% | 0.73% | 0.72% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.54% | 13.21% | 13.96% | 14.07% | 14.25% | +71 bps | |
| Net Worth / Assets | 13.54% | 13.21% | 13.96% | 14.07% | 14.25% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.81% | 91.35% | 97.51% | 98.95% | 101.47% | +666 bps | |
| Liquid Assets / Assets | 13.82% | 16.76% | 0.00% | 0.00% | 0.00% | -1,382 bps | |