Salt Lake Cty, UT · Charter 65469
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Salt Lake Cty, UT · Charter 65469
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 0.91% | 1.23% | 1.39% | 1.79% | +66 bps | |
| Return on Equity | 5.90% | 4.87% | 6.28% | 6.69% | 9.15% | +325 bps | |
| Net Interest Margin | 3.51% | 3.43% | 3.37% | 3.71% | 3.80% | +29 bps | |
| Efficiency Ratio | 65.80% | 65.86% | 65.42% | 66.68% | 59.34% | -646 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.75% | 4.71% | 1.60% | -0.37% | 6.36% | +361 bps | |
| Loan Growth (YoY) | -4.85% | -8.16% | -7.76% | -7.10% | -4.63% | +22 bps | |
| Share Growth (YoY) | 2.55% | 4.59% | 1.62% | -1.83% | 5.86% | +331 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.41% | 0.48% | 0.00% | 0.01% | -22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.89% | 0.66% | 0.59% | 0.63% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.29% | 18.78% | 19.56% | 20.71% | 19.60% | +31 bps | |
| Net Worth / Assets | 19.29% | 18.78% | 19.56% | 20.71% | 19.60% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.67% | 66.11% | 69.00% | 71.87% | 64.56% | -710 bps | |
| Liquid Assets / Assets | 39.37% | 43.73% | 42.25% | 40.90% | 45.65% | +628 bps | |