Sandy, UT · Charter 61922
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.59% | -0.85% | -0.62% | 0.74% | 1.12% | +171 bps | |
| Return on Equity | -11.41% | -17.35% | -12.12% | 14.65% | 20.08% | +3,149 bps | |
| Net Interest Margin | 3.48% | 3.36% | 3.28% | 3.12% | 3.04% | -43 bps | |
| Efficiency Ratio | 74.97% | 75.89% | 75.53% | 78.81% | 80.34% | +536 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.67% | -15.80% | -8.56% | -3.24% | -0.88% | +1,879 bps | |
| Loan Growth (YoY) | -28.50% | -32.43% | -27.36% | -22.91% | -17.61% | +1,089 bps | |
| Share Growth (YoY) | -20.12% | -15.65% | -8.21% | -2.47% | -1.09% | +1,903 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.18% | 8.90% | 6.77% | 4.22% | 3.51% | -666 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.22% | 5.40% | 4.58% | 4.21% | 3.68% | -154 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.19% | 4.92% | 5.08% | 5.06% | 5.56% | +37 bps | |
| Net Worth / Assets | 5.19% | 4.92% | 5.08% | 5.06% | 5.56% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.89% | 62.79% | 61.21% | 54.93% | 56.55% | -1,134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 97.71% | 0.00% | 0 bps | |