Salt Lake Cy, UT · Charter 67053
Q1 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 0.03% | -0.08% | 0.09% | -4.82% | -582 bps | |
| Return on Equity | 6.12% | 0.17% | -0.52% | 0.53% | -29.74% | -3,586 bps | |
| Net Interest Margin | 5.19% | 3.88% | 3.82% | 4.04% | 4.11% | -108 bps | |
| Efficiency Ratio | 59.64% | 88.84% | 91.37% | 87.19% | 87.96% | +2,832 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.12% | -7.00% | -5.59% | -7.50% | -5.64% | +448 bps | |
| Loan Growth (YoY) | 7.33% | -6.96% | -16.35% | -9.86% | -16.17% | -2,350 bps | |
| Share Growth (YoY) | -8.82% | -4.37% | -0.94% | -6.87% | -4.27% | +455 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.81% | 7.97% | 12.48% | 13.60% | 8.24% | -357 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.68% | 2.27% | 2.66% | 2.84% | 4.95% | +28 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.37% | 16.24% | 16.30% | 17.30% | 16.20% | -16 bps | |
| Net Worth / Assets | 16.37% | 16.24% | 16.30% | 17.30% | 16.20% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.78% | 49.33% | 47.39% | 52.56% | 53.22% | -755 bps | |
| Liquid Assets / Assets | 49.54% | 31.87% | 29.75% | 55.06% | 55.02% | +548 bps | |