Salt Lake Cy, UT · Charter 66832
NCUA · 8 branches
Q4 2016
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | -0.18% | -0.03% | -0.03% | -1.00% | -106 bps | |
| Return on Equity | 0.41% | -1.33% | -0.21% | -0.22% | -8.60% | -901 bps | |
| Net Interest Margin | 2.10% | 1.97% | 1.92% | 1.93% | 1.93% | -17 bps | |
| Efficiency Ratio | 98.11% | 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 / Loans | 0.20% | 0.06% | 0.36% | 0.36% | 0.45% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.26% | 0.24% | 0.23% | 0.15% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.73% | 13.27% | 12.95% | 12.81% | 11.67% | -206 bps | |
| Net Worth / Assets | 13.73% | 13.27% | 12.95% | 12.81% | 11.67% | -206 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.68% | 39.01% | 39.68% | 41.71% | 42.28% | +61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |