Salt Lake Cy, UT · Charter 67067
NCUA · 1 branch
Q3 2021
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.91% | -1.16% | -0.48% | 0.10% | 0.05% | +96 bps | |
| Return on Equity | -4.02% | -5.42% | -2.40% | 0.51% | 0.27% | +429 bps | |
| Net Interest Margin | 3.12% | 3.15% | 2.77% | 2.70% | 2.85% | -26 bps | |
| Efficiency Ratio | 115.58% | 118.03% | 110.74% | 108.50% | 106.20% | -937 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.26% | 8.40% | 14.23% | 14.17% | 14.01% | +875 bps | |
| Loan Growth (YoY) | -9.02% | -5.72% | 1.20% | -1.60% | -6.57% | +245 bps | |
| Share Growth (YoY) | 8.21% | 12.82% | 20.14% | 18.98% | 18.96% | +1,075 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.91% | 0.87% | 0.00% | 0.00% | 0.00% | -91 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 1.30% | 1.35% | 0.84% | 0.87% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.53% | 21.34% | 19.92% | 18.87% | 19.35% | -318 bps | |
| Net Worth / Assets | 22.53% | 21.34% | 19.92% | 18.87% | 19.35% | -318 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.21% | 62.46% | 56.63% | 51.69% | 51.22% | -1,400 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |