Salt Lake Cy, UT · Charter 67067
NCUA · 1 branch
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -1.20% | -1.14% | -0.91% | -1.16% | -0.48% | 0.10% | 0.05% | +96 bps | |
| Return on Equity | -0.83% | -5.02% | -5.18% | -4.02% | -5.42% | -2.40% | 0.51% | 0.27% | +429 bps | |
| Net Interest Margin | 3.91% | 3.24% | 3.07% | 3.12% | 3.15% | 2.77% | 2.70% | 2.85% | -26 bps | |
| Efficiency Ratio | 101.06% | 114.24% | 119.61% | 115.58% | 118.03% | 110.74% | 108.50% | 106.20% | -937 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.13% | -2.99% | 4.15% | 5.26% | 8.40% | 14.23% | 14.17% | 14.01% | +875 bps | |
| Loan Growth (YoY) | -19.68% | -25.67% | -16.69% | -9.02% | -5.72% | 1.20% | -1.60% | -6.57% | +245 bps | |
| Share Growth (YoY) | -3.92% | -2.64% | 7.20% | 8.21% | 12.82% | 20.14% | 18.98% | 18.96% | +1,075 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.54% | 1.18% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 0.07% | 0.87% | 0.89% | 1.30% | 1.35% | 0.84% | 0.87% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.39% | 23.83% | 22.09% | 22.53% | 21.34% | 19.92% | 18.87% | 19.35% | -318 bps | |
| Net Worth / Assets | 24.39% | 23.83% | 22.09% | 22.53% | 21.34% | 19.92% | 18.87% | 19.35% | -318 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.75% | 67.22% | 62.50% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |