Salt Lake Cy, UT · Charter 67029
Q1 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.04% | 0.07% | 0.06% | 0.03% | -8 bps | |
| Return on Equity | 0.68% | 0.26% | 0.46% | 0.40% | 0.19% | -49 bps | |
| Net Interest Margin | 5.23% | 5.02% | 5.07% | 5.12% | 4.55% | -68 bps | |
| Efficiency Ratio | 97.95% | 99.23% | 98.59% | 98.77% | 99.36% | +141 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.02% | -6.43% | -2.82% | -1.06% | 0.39% | +1,941 bps | |
| Loan Growth (YoY) | -0.84% | -22.58% | -14.86% | -17.94% | -28.02% | -2,719 bps | |
| Share Growth (YoY) | -22.06% | -7.56% | 2.69% | -1.45% | 0.50% | +2,257 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.06% | 0.03% | 0.02% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.94% | 0.93% | 1.00% | 1.19% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.32% | 15.33% | 15.84% | 16.08% | 16.33% | +1 bps | |
| Net Worth / Assets | 16.32% | 15.33% | 15.84% | 16.08% | 16.33% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 114.00% | 93.32% | 101.09% | 96.36% | 81.64% | -3,236 bps | |
| Liquid Assets / Assets | 4.24% | 20.85% | 14.00% | 18.42% | 30.91% | +2,667 bps | |