Logan, UT · Charter 67064
NCUA · 2 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 2022, 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.
Logan, UT · Charter 67064
NCUA · 2 branches
Q2 2022
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.36% | -0.24% | -0.15% | -0.30% | -16.95% | -14.81% | -1836% | -183,581 bps | |
| Return on Equity | -0.28% | -1.40% | -0.92% | -0.58% | -1.17% | -84.37% | -50.45% | -1870% | -186,981 bps | |
| Net Interest Margin | 2.62% | 2.60% | 2.53% | 2.34% | 2.15% | -13.34% | 0.85% | -1381% | -138,293 bps | |
| Efficiency Ratio | 102.59% | 113.04% | 108.19% | 105.74% | 112.15% | n/a | 1725% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.48% | 12.50% | 9.54% | 4.42% | -2.35% | -30.77% | -57.98% | -98.67% | -10,308 bps | |
| Loan Growth (YoY) | 48.58% | 38.57% | 33.80% | 9.44% | -21.97% | -51.05% | -85.94% | -100.00% | -10,944 bps | |
| Share Growth (YoY) | 14.55% | 18.33% | 14.00% | 6.39% | -2.46% | -25.32% | -60.07% | -100.00% | -10,639 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 3.83% | 3.82% | 4.17% | 4.32% | 7.49% | 100.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.51% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.62% | 1.72% | 2.00% | 1.82% | 3.31% | 12.21% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 26.03% | 25.97% | 25.88% | 25.25% | 26.11% | 20.09% | 29.35% | 98.16% | +7,291 bps | |
| Net Worth / Assets | 26.03% | 25.97% | 25.88% | 25.25% | 26.11% | 20.09% | 29.35% | 98.16% | +7,291 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.55% | 27.93% | 26.30% | 21.81% | 25.24% | 18.31% | 9.26% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |