Salt Lake Cy, UT · Charter 67039
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Salt Lake Cy, UT · Charter 67039
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.78% | 0.75% | -0.68% | -5.25% | -606 bps | |
| Return on Equity | 9.27% | 9.78% | 9.90% | -10.55% | -122.69% | -13,196 bps | |
| Net Interest Margin | 3.28% | 3.23% | 3.19% | 3.32% | 2.57% | -70 bps | |
| Efficiency Ratio | 81.49% | 79.58% | 77.96% | 78.90% | 88.04% | +655 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 29.51% | 30.71% | 36.92% | 31.27% | 21.86% | -765 bps | |
| Loan Growth (YoY) | 47.70% | 47.16% | 50.78% | 32.10% | 20.77% | -2,693 bps | |
| Share Growth (YoY) | 25.03% | 29.78% | 38.35% | 35.43% | 26.60% | +157 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.44% | 0.64% | 1.39% | 1.79% | +142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.30% | 0.28% | 0.27% | 1.82% | 3.12% | +282 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.70% | 8.02% | 7.60% | 6.46% | 4.28% | -442 bps | |
| Net Worth / Assets | 8.70% | 8.02% | 7.60% | 6.46% | 4.28% | -442 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.41% | 100.78% | 98.80% | 94.26% | 96.74% | -467 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |