Salt Lake Cy, UT · Charter 66832
NCUA · 8 branches
Q4 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.03% | 0.08% | 0.06% | -0.18% | -0.03% | -0.03% | -1.00% | -106 bps | |
| Return on Equity | 0.33% | 0.21% | 0.61% | 0.41% | -1.33% | -0.21% | -0.22% | -8.60% | -901 bps | |
| Net Interest Margin | 2.04% | 1.98% | 2.06% | 2.10% | 1.97% | 1.92% | 1.93% | 1.93% | -17 bps | |
| Efficiency Ratio | 98.79% | 97.94% | 97.35% | 98.11% | 101.26% | 98.68% | 98.46% | 153.17% | +5,506 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.35% | 1.51% | 0.22% | -0.42% | 0.46% | 1.94% | 5.41% | 8.37% | +878 bps | |
| Loan Growth (YoY) | 7.96% | 7.04% | 6.23% | 6.96% | 5.59% | 4.64% | 10.78% | 11.60% | +464 bps | |
| Share Growth (YoY) | 1.36% | 1.68% | -0.07% | -0.56% | 0.46% | 2.09% | 6.46% | 10.00% | +1,056 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.28% | 0.11% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.29% | 0.22% | 0.24% | 0.26% | 0.24% | 0.23% | 0.15% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.33% | 13.18% | 13.53% | 13.73% | 13.27% | 12.95% | 12.81% | 11.67% | -206 bps | |
| Net Worth / Assets | 13.33% | 13.18% | 13.53% | 13.73% | 13.27% | 12.95% | 12.81% | 11.67% | -206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.11% | 38.71% | 40.09% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |