Salt Lake Cy, UT · Charter 67091
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.78% | 0.73% | 0.31% | 0.27% | -59 bps | |
| Return on Equity | 8.12% | 7.22% | 6.23% | 2.63% | 2.39% | -573 bps | |
| Net Interest Margin | 3.78% | 3.72% | 3.97% | 3.91% | 3.77% | -1 bps | |
| Efficiency Ratio | 79.67% | 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 / Loans | 0.12% | 0.51% | 0.10% | 0.09% | 0.26% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.29% | 0.29% | 0.36% | 0.50% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.56% | 10.82% | 11.75% | 11.76% | 11.22% | +67 bps | |
| Net Worth / Assets | 10.56% | 10.82% | 11.75% | 11.76% | 11.22% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.91% | 60.44% | 66.80% | 67.29% | 69.32% | +742 bps | |
| Liquid Assets / Assets | 20.50% | 22.53% | 13.53% | 32.20% | 7.47% | -1,303 bps | |