Salt Lake Cy, UT · Charter 67042
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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 67042
Q1 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.84% | -4.38% | 0.08% | -0.22% | 0.64% | +448 bps | |
| Return on Equity | -64.14% | -87.85% | 1.67% | -4.26% | 12.65% | +7,678 bps | |
| Net Interest Margin | 2.12% | 2.48% | 3.39% | 3.94% | 3.83% | +171 bps | |
| Efficiency Ratio | 97.40% | 105.60% | 97.68% | 89.18% | 84.64% | -1,276 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.08% | -1.95% | -7.94% | -12.52% | -11.42% | -1,150 bps | |
| Loan Growth (YoY) | -1.27% | 6.31% | 8.74% | 1.17% | -12.66% | -1,139 bps | |
| Share Growth (YoY) | 4.47% | 2.54% | -5.81% | -11.47% | -10.41% | -1,489 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.38% | 9.62% | 6.26% | 2.69% | 0.95% | -743 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.22% | 3.34% | 2.64% | 1.34% | 0.71% | -151 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.98% | 4.99% | 4.85% | 5.14% | 5.06% | -92 bps | |
| Net Worth / Assets | 5.98% | 4.99% | 4.85% | 5.14% | 5.06% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.34% | 95.04% | 88.31% | 94.43% | 85.15% | -219 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |