Logan, UT · Charter 62553
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Logan, UT · Charter 62553
Q2 2002
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 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.60% | 0.60% | 0.22% | 0.47% | -21 bps | |
| Return on Equity | 5.95% | 5.38% | 5.23% | 1.92% | 4.07% | -187 bps | |
| Net Interest Margin | 3.94% | 3.85% | 3.85% | 3.74% | 4.00% | +5 bps | |
| Efficiency Ratio | 81.14% | 82.28% | 82.68% | 89.47% | 85.24% | +410 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.92% | 14.41% | 10.72% | 4.81% | 3.74% | -1,118 bps | |
| Loan Growth (YoY) | -2.59% | -2.93% | -4.17% | -3.89% | -3.07% | -48 bps | |
| Share Growth (YoY) | 15.55% | 15.48% | 11.43% | 5.01% | 3.78% | -1,177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 0.89% | 1.20% | 0.90% | 0.88% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.66% | 0.67% | 0.61% | 0.63% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.41% | 11.25% | 11.50% | 11.47% | 11.49% | +8 bps | |
| Net Worth / Assets | 11.41% | 11.25% | 11.50% | 11.47% | 11.49% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.20% | 86.01% | 85.13% | 82.75% | 82.37% | -582 bps | |
| Liquid Assets / Assets | 18.34% | 20.04% | 20.94% | 22.77% | 22.79% | +445 bps | |