Moab, UT · Charter 67075
NCUA · 4 branches
Q2 2020
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 0.91% | 1.70% | 1.19% | 0.98% | 0.92% | 0.65% | 0.97% | -22 bps | |
| Return on Equity | 18.24% | 11.36% | 20.81% | 15.64% | 13.06% | 11.84% | 8.44% | 13.12% | -253 bps | |
| Net Interest Margin | 4.80% | 4.63% | 5.01% | 4.59% | 4.62% | 4.81% | 5.11% | 4.71% | +11 bps | |
| Efficiency Ratio | 67.77% | 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 / Loans | 1.75% | 1.27% | 1.04% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.04% | 0.94% | 0.91% | 0.90% | 0.93% | 1.24% | 1.05% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.69% | 8.02% | 8.17% | 7.58% | 7.53% | 7.78% | 7.70% | 7.39% | -19 bps | |
| Net Worth / Assets | 8.69% | 8.02% | 8.17% | 7.58% | 7.53% | 7.78% | 7.70% | 7.39% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.22% | 94.72% | 90.67% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |