Salt Lake Cy, UT · Charter 67037
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.56% | 1.69% | 1.65% | 1.57% | -4.44% | -600 bps | |
| Return on Equity | 6.97% | 7.66% | 7.47% | 7.13% | -24.82% | -3,179 bps | |
| Net Interest Margin | 3.53% | 3.60% | 3.41% | 3.37% | 3.57% | +4 bps | |
| Efficiency Ratio | 55.29% | 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 / Loans | 0.47% | 0.79% | 0.13% | 0.65% | 0.39% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 1.25% | 1.01% | 1.03% | 0.99% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.40% | 22.08% | 22.09% | 21.96% | 17.90% | -450 bps | |
| Net Worth / Assets | 22.40% | 22.08% | 22.09% | 21.96% | 17.90% | -450 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.07% | 61.07% | 60.08% | 55.77% | 56.94% | -914 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |