Moab, UT · Charter 67075
NCUA · 4 branches
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Moab, UT · Charter 67075
NCUA · 4 branches
Q2 2020
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 0.98% | 0.92% | 0.65% | 0.97% | -22 bps | |
| Return on Equity | 15.64% | 13.06% | 11.84% | 8.44% | 13.12% | -253 bps | |
| Net Interest Margin | 4.59% | 4.62% | 4.81% | 5.11% | 4.71% | +11 bps | |
| Efficiency Ratio | 77.96% | 79.87% | 79.33% | 69.54% | 73.11% | -485 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.37% | 24.46% | 16.88% | 16.50% | 14.77% | -560 bps | |
| Loan Growth (YoY) | 19.96% | 20.13% | 19.90% | 20.12% | 16.68% | -328 bps | |
| Share Growth (YoY) | 27.54% | 26.80% | 21.96% | 17.03% | 15.09% | -1,244 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.22% | 0.88% | 1.51% | 1.67% | 0.99% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.91% | 0.90% | 0.93% | 1.24% | 1.05% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.58% | 7.53% | 7.78% | 7.70% | 7.39% | -19 bps | |
| Net Worth / Assets | 7.58% | 7.53% | 7.78% | 7.70% | 7.39% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.06% | 87.37% | 93.12% | 93.06% | 89.27% | +121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |