PackageTrendsPeer
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Primary Hospital Credit Union

Salt Lake Cy, UT · Charter 67037

Q4 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Primary Hospital Credit Union

Salt Lake Cy, UT · Charter 67037

Q4 2007

$6.3MAssets
$2.9MLoans
$5.1MShares
$1.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -4.44%, down 600 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.39% of loans (-8 bps YoY).
  • Capital: net worth / assets of 17.90%, down 450 bps from a year ago.
  • Funding: loans stand at 56.94% of shares as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

-4.44%-600 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+4 bps YoY

Efficiency Ratio (YTD, annualized)

218%+16,224 bps YoY

Net Worth / Assets

17.90%-450 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets1.56%1.69%1.65%1.57%-4.44%-600 bps
Return on Equity6.97%7.66%7.47%7.13%-24.82%-3,179 bps
Net Interest Margin3.53%3.60%3.41%3.37%3.57%+4 bps
Efficiency Ratio55.29%54.66%53.64%53.61%218%+16,224 bps
Growth
Asset Growth (YoY)3.52%3.41%2.28%4.75%0.28%-325 bps
Loan Growth (YoY)-1.17%-2.06%-5.20%-9.86%-8.59%-742 bps
Share Growth (YoY)2.11%2.08%0.74%4.17%6.08%+397 bps
Asset Quality
Delinquent Loans / Loans0.47%0.79%0.13%0.65%0.39%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.20%1.25%1.01%1.03%0.99%-21 bps
Capital
Risk-Based Capital22.40%22.08%22.09%21.96%17.90%-450 bps
Net Worth / Assets22.40%22.08%22.09%21.96%17.90%-450 bps
Liquidity & Funding
Loans / Shares66.07%61.07%60.08%55.77%56.94%-914 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps