Salt Lake Cy, UT · Charter 66705
NCUA · 5 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
47
Profitability
39
Liquidity
74
Efficiency
43
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Salt Lake Cy, UT · Charter 66705
NCUA · 5 branches
Q4 2024
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 3.06% | 1.70% | 1.13% | 0.62% | +18 bps | |
| Return on Equity | 4.13% | 28.21% | 15.52% | 10.62% | 6.02% | +188 bps | |
| Net Interest Margin | 2.89% | 2.82% | 2.84% | 2.76% | 2.71% | -18 bps | |
| Efficiency Ratio | 85.46% | 49.35% | 63.14% | 70.33% | 80.58% | -488 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.10% | 1.87% | 4.57% | 9.21% | 8.12% | +922 bps | |
| Loan Growth (YoY) | -0.56% | -0.70% | 1.66% | -0.75% | -5.70% | -514 bps | |
| Share Growth (YoY) | -1.89% | 0.53% | 3.41% | 8.43% | 7.97% | +985 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.17% | 0.32% | 0.92% | 0.75% | +49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.57% | 10.83% | 10.96% | 10.67% | 10.32% | -24 bps | |
| Net Worth / Assets | 10.57% | 10.83% | 10.96% | 10.67% | 10.32% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.59% | 86.18% | 86.92% | 82.76% | 78.25% | -1,134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salt Lake Cy, UT · Charter 66705 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 5 branches
Q4 2024
Return on Assets
0.62%
Rank 922 of 1,724
Net Interest Margin
2.71%
Rank 1,469 of 1,723
Efficiency Ratio
80.58%
Rank 990 of 1,721
Equity / Assets
10.32%
Rank 1,258 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.25% | 0.67% | 1.13% | Beats 47% | 922 / 1,724 | |
| Return on Equity | 6.02% | 1.95% | 5.34% | 8.54% | Beats 56% | 757 / 1,723 | |
| Net Interest Margin | 2.71% | 3.03% | 3.61% | 4.27% | Beats 15% | 1,469 / 1,723 | |
| Efficiency Ratio | 80.58% | 69.84% | 78.36% | 87.50% | Beats 43% | 990 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.75% | 0.28% | 0.70% | 1.38% | Beats 47% | 916 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.32% | 10.16% | 12.41% | 16.03% | Beats 27% | 1,259 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.32% | 10.15% | 12.41% | 16.03% | Beats 27% | 1,258 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.25% | 55.95% | 72.66% | 85.34% | 60th pctl | 682 / 1,722 | |
| Loans / Assets | 69.96% | 47.91% | 62.00% | 72.82% | 68th pctl | 549 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||