Ogden, UT · Charter 62364
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 1.13% | 1.16% | 1.13% | 1.20% | -6 bps | |
| Return on Equity | 9.70% | 8.57% | 8.80% | 8.42% | 9.38% | -32 bps | |
| Net Interest Margin | 3.45% | 3.40% | 3.38% | 3.41% | 3.13% | -32 bps | |
| Efficiency Ratio | 72.29% | 74.59% | 73.82% | 73.82% | 71.59% | -69 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.26% | 14.17% | 12.55% | 10.77% | 12.09% | -417 bps | |
| Loan Growth (YoY) | 14.40% | 12.65% | 11.37% | 4.57% | 5.64% | -877 bps | |
| Share Growth (YoY) | 17.43% | 15.32% | 13.19% | 10.66% | 12.75% | -469 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.70% | 0.76% | 0.71% | 0.71% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.12% | 1.08% | 1.08% | 1.10% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.04% | 13.13% | 13.19% | 13.46% | 12.80% | -25 bps | |
| Net Worth / Assets | 13.04% | 13.13% | 13.19% | 13.46% | 12.80% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.76% | 80.66% | 81.39% | 81.60% | 74.73% | -503 bps | |
| Liquid Assets / Assets | 20.77% | 18.24% | 16.81% | 16.34% | 23.47% | +270 bps | |