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Chevron West

Salt Lake Cy, UT · Charter 67072

Q3 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Chevron West

Salt Lake Cy, UT · Charter 67072

Q3 2013

$80.7MAssets
$35.6MLoans
$69.5MShares
$11.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.65%, up 4 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.08% of loans (-26 bps YoY).
  • Capital: net worth / assets of 13.89%, up 88 bps from a year ago.
  • Funding: loans stand at 51.19% of shares as of Q3 2013.

Return on Assets (YTD, annualized)

0.65%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.54%-41 bps YoY

Efficiency Ratio (YTD, annualized)

79.00%+355 bps YoY

Net Worth / Assets

13.89%+88 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets1.10%0.44%0.53%0.61%0.59%0.54%0.72%0.65%+4 bps
Return on Equity8.92%3.76%4.19%4.66%4.46%4.25%5.42%4.65%-1 bps
Net Interest Margin3.26%2.73%2.89%2.95%2.89%2.31%2.46%2.54%-41 bps
Efficiency Ratio61.42%74.78%76.26%75.45%76.17%80.87%75.90%79.00%+355 bps
Growth
Asset Growth (YoY)0.10%-3.48%-9.34%-0.14%-2.07%-2.80%0.66%-1.46%-133 bps
Loan Growth (YoY)-13.81%-11.93%-13.61%-10.58%-8.53%-3.17%1.10%-6.41%+417 bps
Share Growth (YoY)-1.34%-4.41%-11.10%-0.74%-2.74%-3.71%0.39%-2.26%-152 bps
Asset Quality
Delinquent Loans / Loans0.40%0.35%0.36%0.34%0.16%0.19%0.30%0.08%-26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.85%1.06%1.18%1.16%1.26%1.21%1.13%1.02%-14 bps
Capital
Risk-Based Capital12.33%11.76%12.63%13.01%13.16%12.68%13.22%13.89%+88 bps
Net Worth / Assets12.33%11.76%12.63%13.01%13.16%12.68%13.22%13.89%+88 bps
Liquidity & Funding
Loans / Shares55.09%49.40%51.05%53.46%51.81%49.67%51.41%51.19%-226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps