PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Transwest Credit Union

Salt Lake Cy, UT · Charter 66705

NCUA · 5 branches

Q4 2024

$197.5MAssets
$138.2MLoans
$176.6MShares
$20.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.62%, up 18 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.75% of loans (+49 bps YoY).
  • Capital: net worth / assets of 10.32%, down 24 bps from a year ago.
  • Funding: loans stand at 78.25% of shares as of Q4 2024.

Return on Assets (YTD, annualized)

0.62%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.71%-18 bps YoY

Efficiency Ratio (YTD, annualized)

80.58%-488 bps YoY

Net Worth / Assets

10.32%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.34%0.44%0.44%0.44%3.06%1.70%1.13%0.62%+18 bps
Return on Equity3.39%4.19%4.12%4.13%28.21%15.52%10.62%6.02%+188 bps
Net Interest Margin2.80%2.89%2.93%2.89%2.82%2.84%2.76%2.71%-18 bps
Efficiency Ratio89.38%86.14%86.19%85.46%49.35%63.14%70.33%80.58%-488 bps
Growth
Asset Growth (YoY)-0.98%-2.03%-2.92%-1.10%1.87%4.57%9.21%8.12%+922 bps
Loan Growth (YoY)13.06%5.35%-1.13%-0.56%-0.70%1.66%-0.75%-5.70%-514 bps
Share Growth (YoY)-1.12%-2.52%-3.75%-1.89%0.53%3.41%8.43%7.97%+985 bps
Asset Quality
Delinquent Loans / Loans0.05%0.28%0.12%0.26%0.17%0.32%0.92%0.75%+49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.99%10.43%10.68%10.57%10.83%10.96%10.67%10.32%-24 bps
Net Worth / Assets9.99%10.43%10.68%10.57%10.83%10.96%10.67%10.32%-24 bps
Liquidity & Funding
Loans / Shares87.25%88.43%90.41%89.59%86.18%86.92%82.76%78.25%-1,134 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps