Salt Lake Cit, UT · Charter 454
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Salt Lake Cit, UT · Charter 454
Q1 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.53% | 0.51% | 0.59% | 3.32% | +274 bps | |
| Return on Equity | 3.89% | 3.23% | 2.79% | 3.00% | 15.30% | +1,141 bps | |
| Net Interest Margin | 4.46% | 4.93% | 5.41% | 5.63% | 5.77% | +132 bps | |
| Efficiency Ratio | 85.40% | 88.11% | 86.24% | 76.79% | 42.43% | -4,297 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.15% | 9.42% | -1.86% | -17.97% | -31.92% | -4,407 bps | |
| Loan Growth (YoY) | 29.85% | 18.76% | -1.28% | -19.41% | -33.87% | -6,372 bps | |
| Share Growth (YoY) | 7.08% | 7.01% | -6.91% | -21.70% | -33.30% | -4,038 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.05% | 5.82% | 2.21% | 4.65% | 19.03% | +1,398 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.30% | 1.53% | 1.90% | 3.68% | +251 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.04% | 16.50% | 18.29% | 19.53% | 21.73% | +669 bps | |
| Net Worth / Assets | 15.04% | 16.50% | 18.29% | 19.53% | 21.73% | +669 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 123.39% | 122.40% | 129.62% | 119.44% | 122.33% | -106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |