Springville, UT · Charter 67086
Q2 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.19% | 0.18% | 0.86% | 0.56% | +27 bps | |
| Return on Equity | 3.23% | 2.10% | 1.74% | 10.02% | 5.64% | +241 bps | |
| Net Interest Margin | 2.71% | 1.01% | 3.22% | 2.81% | 1.42% | -129 bps | |
| Efficiency Ratio | 90.13% | 83.07% | 95.02% | 70.63% | 61.97% | -2,816 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.65% | 3.61% | -2.75% | 3.58% | -4.54% | -819 bps | |
| Loan Growth (YoY) | 12.47% | 12.93% | -1.53% | -2.79% | -18.41% | -3,088 bps | |
| Share Growth (YoY) | 4.34% | 4.01% | -3.03% | 3.57% | -5.51% | -985 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.00% | 0.11% | 0.00% | 0.00% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.71% | 1.45% | 1.47% | 1.52% | 1.85% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.07% | 8.80% | 10.09% | 8.60% | 10.00% | +92 bps | |
| Net Worth / Assets | 9.07% | 8.80% | 10.09% | 8.60% | 10.00% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.03% | 86.73% | 98.15% | 77.88% | 75.15% | -1,188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |