Roy, UT · Charter 66735
Q2 2011
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.40% | 0.15% | 0.75% | 1.22% | +38 bps | |
| Return on Equity | 13.87% | 6.54% | 2.33% | 11.00% | 16.75% | +289 bps | |
| Net Interest Margin | 3.59% | 4.28% | 4.67% | 4.25% | 4.28% | +68 bps | |
| Efficiency Ratio | 54.42% | 55.32% | 59.90% | 69.35% | 73.55% | +1,912 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.40% | 13.42% | 4.49% | -4.76% | -4.24% | -1,764 bps | |
| Loan Growth (YoY) | 23.91% | 19.75% | 6.26% | -10.94% | -12.07% | -3,597 bps | |
| Share Growth (YoY) | 15.86% | 12.64% | 6.08% | -3.09% | -5.68% | -2,154 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.22% | 1.76% | 1.62% | 0.85% | 1.34% | -88 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.43% | 1.71% | 1.58% | 1.20% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.02% | 6.07% | 6.42% | 6.84% | 7.26% | +123 bps | |
| Net Worth / Assets | 6.02% | 6.07% | 6.42% | 6.84% | 7.26% | +123 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.90% | 83.16% | 84.38% | 81.34% | 81.02% | -589 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.59% | 0.00% | 0 bps | |