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Valtek

Springville, UT · Charter 67086

Q2 2015

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 2015, the quarter ended June 30, 2015, 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 2026-10-10

Valtek

Springville, UT · Charter 67086

Q2 2015

$787KAssets
$532KLoans
$708KShares
$79KNet Worth

Executive Summary

  • Earnings: ROA of 0.56%, up 27 bps year over year; NIM at 1.42%.
  • Asset quality: problem loans at 0.00% of loans (-20 bps YoY).
  • Capital: net worth / assets of 10.00%, up 92 bps from a year ago.
  • Funding: loans stand at 75.15% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

0.56%+27 bps YoY

Net Interest Margin (YTD, annualized)

1.42%-129 bps YoY

Efficiency Ratio (YTD, annualized)

61.97%-2,816 bps YoY

Net Worth / Assets

10.00%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.19%-0.04%0.27%0.29%0.19%0.18%0.86%0.56%+27 bps
Return on Equity-2.05%-0.41%3.11%3.23%2.10%1.74%10.02%5.64%+241 bps
Net Interest Margin2.61%2.83%2.60%2.71%1.01%3.22%2.81%1.42%-129 bps
Efficiency Ratio106.87%101.25%90.42%90.13%83.07%95.02%70.63%61.97%-2,816 bps
Growth
Asset Growth (YoY)1.54%4.00%20.50%3.65%3.61%-2.75%3.58%-4.54%-819 bps
Loan Growth (YoY)-14.90%5.58%6.48%12.47%12.93%-1.53%-2.79%-18.41%-3,088 bps
Share Growth (YoY)2.61%4.51%23.21%4.34%4.01%-3.03%3.57%-5.51%-985 bps
Asset Quality
Delinquent Loans / Loans3.61%4.88%0.00%0.20%0.00%0.11%0.00%0.00%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.86%1.64%1.68%1.71%1.45%1.47%1.52%1.85%+14 bps
Capital
Risk-Based Capital9.29%9.83%8.58%9.07%8.80%10.09%8.60%10.00%+92 bps
Net Worth / Assets9.29%9.83%8.58%9.07%8.80%10.09%8.60%10.00%+92 bps
Liquidity & Funding
Loans / Shares79.88%96.65%82.97%87.03%86.73%98.15%77.88%75.15%-1,188 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps