PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lehi Works Employees Credit Union

Lehi, UT · Charter 67051

Q2 1997

$841KAssets
$732KLoans
$709KShares
n/aNet 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 4.03%, down 127 bps year over year.
  • Asset quality: problem loans at 2.05% of loans (+84 bps YoY).
  • Funding: loans stand at 103.22% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

4.03%-127 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ3 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets5.30%6.55%2.42%3.88%4.03%-127 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-13.24%8.72%15.18%6.33%n/a
Loan Growth (YoY)n/a5.60%11.17%6.30%-6.53%n/a
Share Growth (YoY)n/a-17.67%7.81%31.47%16.47%n/a
Asset Quality
Delinquent Loans / Loans1.22%1.37%0.24%2.84%2.05%+84 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.96%5.42%4.95%4.60%3.28%-168 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares128.62%114.52%109.82%108.84%103.22%-2,541 bps
Liquid Assets / Assets2.83%3.55%3.95%3.00%5.04%+221 bps