Salt Lake Cy, UT · Charter 67068
NCUA · 2 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Salt Lake Cy, UT · Charter 67068
NCUA · 2 branches
Q1 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.05% | 0.02% | 0.03% | 0.10% | -1 bps | |
| Return on Equity | 1.08% | 0.53% | 0.15% | 0.26% | 1.01% | -7 bps | |
| Net Interest Margin | 2.39% | 2.31% | 2.30% | 2.33% | 2.39% | 0 bps | |
| Efficiency Ratio | 95.12% | 95.57% | 95.67% | 95.46% | 92.69% | -243 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.18% | 8.49% | 5.46% | 5.38% | 5.36% | -82 bps | |
| Loan Growth (YoY) | 25.92% | 24.13% | 35.58% | 27.47% | 29.92% | +400 bps | |
| Share Growth (YoY) | 6.56% | 9.27% | 6.02% | 4.96% | 5.87% | -69 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.24% | 0.05% | 1.25% | 0.43% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.34% | 0.30% | 0.30% | 0.31% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.52% | 10.22% | 10.19% | 10.21% | 10.01% | -51 bps | |
| Net Worth / Assets | 10.52% | 10.22% | 10.19% | 10.21% | 10.01% | -51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.04% | 47.37% | 53.72% | 56.22% | 55.26% | +1,023 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 98.90% | +9,890 bps | |