PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rocky Mountain

Ogden, UT · Charter 67057

Q2 1998

$15.0MAssets
$7.7MLoans
$12.9MShares
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 3.99%, down 13 bps year over year.
  • Asset quality: problem loans at 0.55% of loans (-17 bps YoY).
  • Funding: loans stand at 60.01% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.99%-13 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.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.12%4.38%3.86%4.15%3.99%-13 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)-0.54%4.84%6.31%3.00%-0.32%+22 bps
Loan Growth (YoY)-11.20%-15.69%-14.98%-8.26%-3.97%+723 bps
Share Growth (YoY)-2.03%3.96%5.74%3.41%-1.13%+90 bps
Asset Quality
Delinquent Loans / Loans0.72%0.94%0.67%0.95%0.55%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.97%0.94%0.87%0.83%0.58%-39 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 / Shares61.79%61.79%58.69%62.75%60.01%-177 bps
Liquid Assets / Assets28.93%16.17%45.77%42.10%45.33%+1,640 bps