Salt Lake Cy, UT · Charter 67072
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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 67072
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.59% | 0.54% | 0.72% | 0.65% | +4 bps | |
| Return on Equity | 4.66% | 4.46% | 4.25% | 5.42% | 4.65% | -1 bps | |
| Net Interest Margin | 2.95% | 2.89% | 2.31% | 2.46% | 2.54% | -41 bps | |
| Efficiency Ratio | 75.45% | 76.17% | 80.87% | 75.90% | 79.00% | +355 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.14% | -2.07% | -2.80% | 0.66% | -1.46% | -133 bps | |
| Loan Growth (YoY) | -10.58% | -8.53% | -3.17% | 1.10% | -6.41% | +417 bps | |
| Share Growth (YoY) | -0.74% | -2.74% | -3.71% | 0.39% | -2.26% | -152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.16% | 0.19% | 0.30% | 0.08% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.26% | 1.21% | 1.13% | 1.02% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.01% | 13.16% | 12.68% | 13.22% | 13.89% | +88 bps | |
| Net Worth / Assets | 13.01% | 13.16% | 12.68% | 13.22% | 13.89% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.46% | 51.81% | 49.67% | 51.41% | 51.19% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |