Salt Lake Cty, UT · Charter 65087
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.68% | -0.44% | -0.76% | -0.33% | -4.90% | -421 bps | |
| Return on Equity | -5.63% | -3.54% | -5.79% | -2.59% | -40.38% | -3,475 bps | |
| Net Interest Margin | 2.80% | 2.85% | 3.01% | 2.68% | 3.32% | +52 bps | |
| Efficiency Ratio | 99.19% | 98.62% | 106.16% | 111.49% | 242% | +14,248 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.14% | 1.27% | -7.15% | -7.51% | -18.99% | -2,114 bps | |
| Loan Growth (YoY) | -0.86% | -7.00% | -6.00% | -12.58% | -12.18% | -1,133 bps | |
| Share Growth (YoY) | 2.69% | 1.53% | -7.77% | -11.23% | -20.61% | -2,329 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.63% | 0.61% | 0.05% | 0.03% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.22% | 0.36% | 0.30% | 0.30% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.15% | 12.42% | 13.13% | 12.60% | 12.13% | -2 bps | |
| Net Worth / Assets | 12.15% | 12.42% | 13.13% | 12.60% | 12.13% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.19% | 76.05% | 79.57% | 75.90% | 83.17% | +798 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |