Farmington, UT · Charter 66850
Q1 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.27% | 0.32% | 0.50% | 0.49% | 0.63% | +90 bps | |
| Return on Equity | -2.76% | 3.28% | 5.04% | 5.09% | 6.73% | +949 bps | |
| Net Interest Margin | 3.81% | 3.71% | 3.72% | 3.57% | 3.39% | -42 bps | |
| Efficiency Ratio | 78.07% | 74.51% | 74.81% | 76.95% | 77.61% | -46 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.51% | 2.43% | 1.04% | 5.28% | 11.51% | +801 bps | |
| Loan Growth (YoY) | 18.06% | 15.51% | 10.00% | 7.15% | 5.78% | -1,228 bps | |
| Share Growth (YoY) | 3.61% | 1.97% | 0.84% | 8.93% | 11.93% | +832 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.04% | 1.00% | 1.10% | 1.26% | 1.12% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.94% | 1.00% | 0.89% | 0.87% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.77% | 9.87% | 9.90% | 9.62% | 9.32% | -45 bps | |
| Net Worth / Assets | 9.77% | 9.87% | 9.90% | 9.62% | 9.32% | -45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.00% | 76.17% | 76.64% | 76.11% | 70.88% | -412 bps | |
| Liquid Assets / Assets | 14.99% | 14.35% | 12.05% | 18.16% | 19.53% | +454 bps | |