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U P & L Ogden Credit Union

Ogden, UT · Charter 67044

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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

U P & L Ogden Credit Union

Ogden, UT · Charter 67044

Q3 2002

$3.9MAssets
$1.8MLoans
$3.5MShares
$393KNet Worth

Executive Summary

  • Earnings: ROA of 0.03%, down 10 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 2.14% of loans (+172 bps YoY).
  • Capital: net worth / assets of 10.16%, down 173 bps from a year ago.
  • Funding: loans stand at 52.89% of shares as of Q3 2002.

Return on Assets (YTD, annualized)

0.03%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.08%-85 bps YoY

Efficiency Ratio (YTD, annualized)

98.75%+303 bps YoY

Net Worth / Assets

10.16%-173 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets3.46%0.23%0.17%0.13%0.14%0.31%0.04%0.03%-10 bps
Return on Equityn/an/an/a1.09%1.21%2.62%0.31%0.27%-83 bps
Net Interest Marginn/a2.81%2.87%2.94%3.00%2.84%2.44%2.08%-85 bps
Efficiency Ration/a92.34%94.33%95.71%95.46%89.59%98.60%98.75%+303 bps
Growth
Asset Growth (YoY)1.47%9.14%-0.42%-1.12%-4.96%-2.42%0.68%18.28%+1,940 bps
Loan Growth (YoY)-20.44%-19.86%-15.55%-1.30%0.78%1.01%-14.21%-21.66%-2,037 bps
Share Growth (YoY)1.32%10.27%-0.56%-1.27%-5.76%-2.53%1.24%21.61%+2,288 bps
Asset Quality
Delinquent Loans / Loans0.72%0.11%0.00%0.43%0.37%0.08%2.14%2.14%+172 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.93%0.96%0.95%0.90%0.86%0.88%1.03%1.07%+17 bps
Capital
Risk-Based Capitaln/an/an/a11.89%11.63%11.69%11.49%10.16%-173 bps
Net Worth / Assetsn/an/an/a11.89%11.63%11.69%11.49%10.16%-173 bps
Liquidity & Funding
Loans / Shares73.02%72.89%74.87%82.10%78.09%75.54%63.45%52.89%-2,922 bps
Liquid Assets / Assets33.71%34.08%32.65%26.73%30.32%32.59%43.14%51.33%+2,460 bps