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C B I Salt Lake

Murray, UT · Charter 6488

NCUA · 1 branch

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

C B I Salt Lake

Murray, UT · Charter 6488

NCUA · 1 branch

Q4 2017

$4.4MAssets
$2.1MLoans
$2.7MShares
$526KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -29.77%, down 2,843 bps year over year; NIM at -22.19%.
  • Asset quality: problem loans at 0.31% of loans (-535 bps YoY).
  • Capital: net worth / assets of 12.07%, down 2,057 bps from a year ago.
  • Funding: loans stand at 77.10% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-29.77%-2,843 bps YoY

Net Interest Margin (YTD, annualized)

-22.19%-2,472 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

12.07%-2,057 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-1.35%-1.05%-3.31%-2.85%-29.77%-2,843 bps
Return on Equity-4.13%-3.30%-9.35%-7.98%-247%-24,259 bps
Net Interest Margin2.53%2.42%2.81%2.83%-22.19%-2,472 bps
Efficiency Ratio149.82%140.85%211%195.16%n/an/a
Growth
Asset Growth (YoY)-3.22%-0.70%-13.26%-15.00%-22.00%-1,878 bps
Loan Growth (YoY)-12.28%1.53%-0.74%0.84%-5.43%+685 bps
Share Growth (YoY)-2.85%0.87%-16.49%-19.79%-27.40%-2,454 bps
Asset Quality
Delinquent Loans / Loans5.66%5.89%0.00%0.00%0.31%-535 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.25%1.17%1.21%1.22%1.33%+8 bps
Capital
Risk-Based Capital32.63%31.79%35.42%35.74%12.07%-2,057 bps
Net Worth / Assets32.63%31.79%35.42%35.74%12.07%-2,057 bps
Liquidity & Funding
Loans / Shares59.20%61.20%72.64%74.55%77.10%+1,791 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps