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Blue Cross-Blue Shield Emp. Cr. Un.

Salt Lake Cy, UT · Charter 67091

Q2 2004

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 2004, the quarter ended June 30, 2004, 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 2026-10-11

Blue Cross-Blue Shield Emp. Cr. Un.

Salt Lake Cy, UT · Charter 67091

Q2 2004

$6.2MAssets
$3.8MLoans
$5.4MShares
$691KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.27%, down 59 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.26% of loans (+14 bps YoY).
  • Capital: net worth / assets of 11.22%, up 67 bps from a year ago.
  • Funding: loans stand at 69.32% of shares as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

0.27%-59 bps YoY

Net Interest Margin (YTD, annualized)

3.77%-1 bps YoY

Efficiency Ratio (YTD, annualized)

93.94%+1,426 bps YoY

Net Worth / Assets

11.22%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets0.86%0.78%0.73%0.31%0.27%-59 bps
Return on Equity8.12%7.22%6.23%2.63%2.39%-573 bps
Net Interest Margin3.78%3.72%3.97%3.91%3.77%-1 bps
Efficiency Ratio79.67%81.40%84.05%88.61%93.94%+1,426 bps
Growth
Asset Growth (YoY)4.36%7.72%1.30%-6.19%-2.60%-697 bps
Loan Growth (YoY)-5.93%-7.40%-3.20%0.37%8.31%+1,424 bps
Share Growth (YoY)3.87%7.40%0.42%-7.48%-3.28%-714 bps
Asset Quality
Delinquent Loans / Loans0.12%0.51%0.10%0.09%0.26%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.28%0.29%0.29%0.36%0.50%+22 bps
Capital
Risk-Based Capital10.56%10.82%11.75%11.76%11.22%+67 bps
Net Worth / Assets10.56%10.82%11.75%11.76%11.22%+67 bps
Liquidity & Funding
Loans / Shares61.91%60.44%66.80%67.29%69.32%+742 bps
Liquid Assets / Assets20.50%22.53%13.53%32.20%7.47%-1,303 bps