Ogden, UT · Charter 67057
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.12% | 4.38% | 3.86% | 4.15% | 3.99% | -13 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/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 / Loans | 0.72% | 0.94% | 0.67% | 0.95% | 0.55% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.94% | 0.87% | 0.83% | 0.58% | -39 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.79% | 61.79% | 58.69% | 62.75% | 60.01% | -177 bps | |
| Liquid Assets / Assets | 28.93% | 16.17% | 45.77% | 42.10% | 45.33% | +1,640 bps | |