Heber City, UT · Charter 67054
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Heber City, UT · Charter 67054
Q1 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 1.09% | 1.11% | 1.11% | 2.36% | +151 bps | |
| Return on Equity | 8.01% | 10.31% | 10.44% | 10.19% | 20.00% | +1,199 bps | |
| Net Interest Margin | 2.62% | 2.61% | 2.67% | 2.65% | 3.85% | +123 bps | |
| Efficiency Ratio | 69.96% | 61.45% | 61.19% | 61.06% | 41.54% | -2,842 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.90% | 7.48% | 8.44% | 7.34% | 3.01% | +11 bps | |
| Loan Growth (YoY) | 7.29% | 18.78% | 24.39% | 23.87% | 16.34% | +905 bps | |
| Share Growth (YoY) | 2.40% | 7.41% | 8.31% | 6.90% | 1.00% | -141 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.98% | 0.26% | 0.04% | 1.63% | +163 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 0.88% | 0.84% | 0.87% | 0.86% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.57% | 10.61% | 10.67% | 10.93% | 11.78% | +122 bps | |
| Net Worth / Assets | 10.57% | 10.61% | 10.67% | 10.93% | 11.78% | +122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.20% | 52.86% | 54.51% | 52.36% | 55.52% | +732 bps | |
| Liquid Assets / Assets | 47.05% | 44.76% | 43.44% | 45.54% | 43.32% | -372 bps | |