Salt Lake Cit, UT · Charter 61000
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 61000
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.10% | -6.61% | -6.45% | -4.86% | -5.34% | +76 bps | |
| Return on Equity | -103.18% | -149.65% | -200% | -227% | n/a | n/a | |
| Net Interest Margin | 2.43% | 2.67% | 2.86% | 3.36% | 3.34% | +91 bps | |
| Efficiency Ratio | 111.60% | 104.61% | 102.68% | 90.36% | 111.85% | +25 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.22% | -11.29% | -12.69% | -14.69% | -17.39% | -917 bps | |
| Loan Growth (YoY) | -15.49% | -19.68% | -20.03% | -16.04% | -20.38% | -490 bps | |
| Share Growth (YoY) | -4.60% | -6.39% | -5.01% | -10.13% | -11.38% | -678 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.73% | 10.13% | 8.05% | 6.15% | 5.66% | -507 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.96% | 2.71% | 3.18% | 4.29% | 4.87% | +291 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.91% | 4.42% | 3.22% | 2.14% | -0.39% | -630 bps | |
| Net Worth / Assets | 5.91% | 4.42% | 3.22% | 2.14% | -0.39% | -630 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.33% | 82.02% | 81.28% | 80.44% | 75.76% | -857 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |