Salt Lake City, UT · Charter 66871
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.15% | 0.80% | 0.68% | 0.76% | 0.63% | -352 bps | |
| Return on Equity | n/a | n/a | n/a | 7.71% | 6.54% | n/a | |
| Net Interest Margin | n/a | 3.62% | 3.46% | 3.44% | 3.30% | n/a | |
| Efficiency Ratio | n/a | 79.62% | 81.22% | 79.15% | 83.48% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.26% | 1.78% | 3.85% | 6.27% | 9.48% | -378 bps | |
| Loan Growth (YoY) | 9.85% | 6.12% | -1.31% | 6.26% | 9.03% | -82 bps | |
| Share Growth (YoY) | 12.90% | -0.10% | 2.59% | 5.16% | 8.95% | -395 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.34% | 0.26% | 0.25% | 0.30% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.54% | 0.51% | 0.56% | 0.50% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 9.81% | 9.56% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 9.81% | 9.56% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.05% | 75.78% | 72.74% | 71.72% | 69.10% | +5 bps | |
| Liquid Assets / Assets | 10.35% | 6.15% | 8.26% | 10.81% | 18.31% | +796 bps | |