PackageTrendsPeer
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Grand County

Moab, UT · Charter 67075

NCUA · 4 branches

Q2 2020

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: 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.

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

Grand County

Moab, UT · Charter 67075

NCUA · 4 branches

Q2 2020

$46.7MAssets
$38.4MLoans
$43.1MShares
$3.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.97%, down 22 bps year over year; NIM at 4.71%.
  • Asset quality: problem loans at 0.99% of loans (-23 bps YoY).
  • Capital: net worth / assets of 7.39%, down 19 bps from a year ago.
  • Funding: loans stand at 89.27% of shares as of Q2 2020.

Return on Assets (YTD, annualized)

0.97%-22 bps YoY

Net Interest Margin (YTD, annualized)

4.71%+11 bps YoY

Efficiency Ratio (YTD, annualized)

73.11%-485 bps YoY

Net Worth / Assets

7.39%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets1.58%0.91%1.70%1.19%0.98%0.92%0.65%0.97%-22 bps
Return on Equity18.24%11.36%20.81%15.64%13.06%11.84%8.44%13.12%-253 bps
Net Interest Margin4.80%4.63%5.01%4.59%4.62%4.81%5.11%4.71%+11 bps
Efficiency Ratio67.77%71.03%77.91%77.96%79.87%79.33%69.54%73.11%-485 bps
Growth
Asset Growth (YoY)13.33%18.86%17.53%20.37%24.46%16.88%16.50%14.77%-560 bps
Loan Growth (YoY)12.05%20.06%13.81%19.96%20.13%19.90%20.12%16.68%-328 bps
Share Growth (YoY)12.18%15.20%18.49%27.54%26.80%21.96%17.03%15.09%-1,244 bps
Asset Quality
Delinquent Loans / Loans1.75%1.27%1.04%1.22%0.88%1.51%1.67%0.99%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.15%1.04%0.94%0.91%0.90%0.93%1.24%1.05%+14 bps
Capital
Risk-Based Capital8.69%8.02%8.17%7.58%7.53%7.78%7.70%7.39%-19 bps
Net Worth / Assets8.69%8.02%8.17%7.58%7.53%7.78%7.70%7.39%-19 bps
Liquidity & Funding
Loans / Shares92.22%94.72%90.67%88.06%87.37%93.12%93.06%89.27%+121 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps