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Health Care

Salt Lake Cy, UT · Charter 66832

NCUA · 8 branches

Q4 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Health Care

Salt Lake Cy, UT · Charter 66832

NCUA · 8 branches

Q4 2016

$76.6MAssets
$28.3MLoans
$66.9MShares
$8.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.00%, down 106 bps year over year; NIM at 1.93%.
  • Asset quality: problem loans at 0.45% of loans (+25 bps YoY).
  • Capital: net worth / assets of 11.67%, down 206 bps from a year ago.
  • Funding: loans stand at 42.28% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.00%-106 bps YoY

Net Interest Margin (YTD, annualized)

1.93%-17 bps YoY

Efficiency Ratio (YTD, annualized)

153.17%+5,506 bps YoY

Net Worth / Assets

11.67%-206 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.06%-0.18%-0.03%-0.03%-1.00%-106 bps
Return on Equity0.41%-1.33%-0.21%-0.22%-8.60%-901 bps
Net Interest Margin2.10%1.97%1.92%1.93%1.93%-17 bps
Efficiency Ratio98.11%101.26%98.68%98.46%153.17%+5,506 bps
Growth
Asset Growth (YoY)-0.42%0.46%1.94%5.41%8.37%+878 bps
Loan Growth (YoY)6.96%5.59%4.64%10.78%11.60%+464 bps
Share Growth (YoY)-0.56%0.46%2.09%6.46%10.00%+1,056 bps
Asset Quality
Delinquent Loans / Loans0.20%0.06%0.36%0.36%0.45%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.24%0.26%0.24%0.23%0.15%-10 bps
Capital
Risk-Based Capital13.73%13.27%12.95%12.81%11.67%-206 bps
Net Worth / Assets13.73%13.27%12.95%12.81%11.67%-206 bps
Liquidity & Funding
Loans / Shares41.68%39.01%39.68%41.71%42.28%+61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps