Moab, UT · Charter 67083
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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 67083
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.54% | 4.29% | 4.53% | 5.76% | 1.65% | -289 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 8.36% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 58.91% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.28% | 7.16% | -2.95% | -9.04% | -10.89% | -2,018 bps | |
| Loan Growth (YoY) | 12.52% | -0.41% | -5.87% | -20.07% | 3.48% | -904 bps | |
| Share Growth (YoY) | 6.96% | 3.74% | -11.47% | -19.74% | -20.50% | -2,747 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.62% | 10.63% | 13.69% | 13.13% | 11.76% | +1,013 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 1.81% | 1.64% | 2.00% | 3.71% | +199 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 107.11% | 105.46% | 137.36% | 112.59% | 139.43% | +3,232 bps | |
| Liquid Assets / Assets | 24.88% | 27.43% | 2.59% | 29.17% | 14.67% | -1,021 bps | |