Provo, UT · Charter 67085
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Provo, UT · Charter 67085
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.39% | 0.46% | 0.20% | 0.47% | +10 bps | |
| Return on Equity | 2.81% | 2.90% | 3.44% | 1.55% | 3.65% | +84 bps | |
| Net Interest Margin | 4.67% | 4.85% | 4.80% | 4.64% | 4.45% | -22 bps | |
| Efficiency Ratio | 89.92% | 87.70% | 87.79% | 92.58% | 89.98% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.75% | -7.51% | -7.05% | 1.38% | 2.66% | +641 bps | |
| Loan Growth (YoY) | 18.46% | 22.57% | 14.16% | 9.02% | 1.74% | -1,672 bps | |
| Share Growth (YoY) | -4.52% | -8.93% | -8.08% | 1.44% | 2.82% | +734 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.91% | 0.24% | 0.08% | 0.00% | 0.39% | -52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.17% | 0.17% | 0.13% | 0.19% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.91% | 13.40% | 13.36% | 13.17% | 12.80% | -11 bps | |
| Net Worth / Assets | 12.91% | 13.40% | 13.36% | 13.17% | 12.80% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.90% | 56.04% | 55.02% | 53.33% | 49.37% | -52 bps | |
| Liquid Assets / Assets | 51.53% | 0.00% | 0.00% | 0.00% | 0.00% | -5,153 bps | |