Murray, UT · Charter 6488
NCUA · 1 branch
Q4 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.16% | -1.07% | -1.13% | -1.35% | -1.05% | -3.31% | -2.85% | -29.77% | -2,843 bps | |
| Return on Equity | -3.52% | -3.25% | -3.44% | -4.13% | -3.30% | -9.35% | -7.98% | -247% | -24,259 bps | |
| Net Interest Margin | 2.59% | 2.64% | 2.55% | 2.53% | 2.42% | 2.81% | 2.83% | -22.19% | -2,472 bps | |
| Efficiency Ratio | 142.24% | 136.72% | 141.06% | 149.82% | 140.85% | 211% | 195.16% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.43% | -3.89% | -2.91% | -3.22% | -0.70% | -13.26% | -15.00% | -22.00% | -1,878 bps | |
| Loan Growth (YoY) | -9.81% | -11.22% | -13.75% | -12.28% | 1.53% | -0.74% | 0.84% | -5.43% | +685 bps | |
| Share Growth (YoY) | -5.15% | -4.25% | -2.75% | -2.85% | 0.87% | -16.49% | -19.79% | -27.40% | -2,454 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.63% | 0.00% | 5.63% | 5.66% | 5.89% | 0.00% | 0.00% | 0.31% | -535 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.20% | 1.23% | 1.25% | 1.17% | 1.21% | 1.22% | 1.33% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.85% | 32.95% | 32.68% | 32.63% | 31.79% | 35.42% | 35.74% | 12.07% | -2,057 bps | |
| Net Worth / Assets | 32.85% | 32.95% | 32.68% | 32.63% | 31.79% | 35.42% | 35.74% | 12.07% | -2,057 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.80% | 61.11% | 59.30% | 59.20% | 61.20% | 72.64% | 74.55% | 77.10% | +1,791 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |