PackageTrendsPeer
Letter portraitLegal landscape

Utah Copper Employees

Bingham Canyon, UT · Charter 67055

Q2 2003

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: Q2 2003, the quarter ended June 30, 2003, 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

Utah Copper Employees

Bingham Canyon, UT · Charter 67055

Q2 2003

$20.4MAssets
$5.5MLoans
$20.7MShares
$-378KNet 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 -45.66%, down 4,619 bps year over year; NIM at 1.90%.
  • Asset quality: problem loans at 2.83% of loans (+130 bps YoY).
  • Capital: net worth / assets of -1.85%, down 1,852 bps from a year ago.
  • Funding: loans stand at 26.52% of shares as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

-45.66%-4,619 bps YoY

Net Interest Margin (YTD, annualized)

1.90%-3 bps YoY

Efficiency Ratio (YTD, annualized)

168.91%+9,708 bps YoY

Net Worth / Assets

-1.85%-1,852 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets0.53%0.60%0.64%-2.62%-45.66%-4,619 bps
Return on Equity3.19%3.77%4.06%-18.06%n/an/a
Net Interest Margin1.93%1.93%1.87%-1.01%1.90%-3 bps
Efficiency Ratio71.83%68.59%64.03%n/a168.91%+9,708 bps
Growth
Asset Growth (YoY)23.20%28.91%24.06%23.20%-18.48%-4,168 bps
Loan Growth (YoY)-1.83%-1.02%4.06%2.93%-44.93%-4,310 bps
Share Growth (YoY)24.55%32.50%27.23%28.00%-2.31%-2,685 bps
Asset Quality
Delinquent Loans / Loans1.54%1.46%1.46%1.41%2.83%+130 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.83%0.82%0.89%0.91%1.61%+77 bps
Capital
Risk-Based Capital16.67%16.00%15.80%14.53%-1.85%-1,852 bps
Net Worth / Assets16.67%16.00%15.80%14.53%-1.85%-1,852 bps
Liquidity & Funding
Loans / Shares47.05%45.27%45.46%42.06%26.52%-2,053 bps
Liquid Assets / Assets10.64%13.82%14.95%50.26%54.54%+4,390 bps