Salt Lake Cy, UT · Charter 66838
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.72% | 0.80% | 0.59% | 0.78% | -2 bps | |
| Return on Equity | 7.89% | 7.11% | 7.56% | 5.60% | 7.41% | -48 bps | |
| Net Interest Margin | 3.73% | 3.75% | 3.82% | 3.65% | 3.61% | -12 bps | |
| Efficiency Ratio | 73.37% | 74.47% | 74.82% | 81.61% | 78.01% | +463 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.10% | 9.58% | 8.99% | 4.90% | 3.70% | -540 bps | |
| Loan Growth (YoY) | 34.06% | 28.58% | 17.73% | 10.61% | 4.55% | -2,951 bps | |
| Share Growth (YoY) | 8.70% | 8.93% | 8.65% | 4.30% | 3.46% | -524 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.38% | 0.51% | 0.43% | 0.50% | -15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 0.93% | 0.90% | 0.90% | 0.91% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.12% | 10.15% | 10.54% | 10.45% | 10.54% | +42 bps | |
| Net Worth / Assets | 10.12% | 10.15% | 10.54% | 10.45% | 10.54% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.75% | 85.10% | 87.37% | 82.28% | 81.60% | +85 bps | |
| Liquid Assets / Assets | 14.73% | 10.71% | 9.75% | 12.63% | 14.55% | -17 bps | |