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Big Valley Credit Union

Draper, UT · Charter 67094

Q3 2010

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: Q3 2010, the quarter ended September 30, 2010, 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

Big Valley Credit Union

Draper, UT · Charter 67094

Q3 2010

$1.1MAssets
$633KLoans
$965KShares
$113KNet 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 -7.38%, down 565 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 5.01% of loans (+392 bps YoY).
  • Capital: net worth / assets of 10.40%, down 595 bps from a year ago.
  • Funding: loans stand at 65.59% of shares as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-7.38%-565 bps YoY

Net Interest Margin (YTD, annualized)

4.22%-168 bps YoY

Efficiency Ratio (YTD, annualized)

233%+13,930 bps YoY

Net Worth / Assets

10.40%-595 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-1.73%-0.77%-2.46%-3.47%-7.38%-565 bps
Return on Equity-10.56%-5.32%-18.64%-28.96%-70.96%-6,040 bps
Net Interest Margin5.89%5.22%4.90%4.01%4.22%-168 bps
Efficiency Ratio94.04%88.64%120.48%177.66%233%+13,930 bps
Growth
Asset Growth (YoY)-51.11%-39.31%-28.15%-9.06%-2.09%+4,902 bps
Loan Growth (YoY)-31.07%-35.23%-30.24%-22.97%-3.29%+2,778 bps
Share Growth (YoY)-55.55%-42.81%-32.15%-7.73%4.68%+6,023 bps
Asset Quality
Delinquent Loans / Loans1.09%2.14%3.61%2.29%5.01%+392 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.08%0.34%1.13%+113 bps
Capital
Risk-Based Capital16.35%14.44%13.22%11.97%10.40%-595 bps
Net Worth / Assets16.35%14.44%13.22%11.97%10.40%-595 bps
Liquidity & Funding
Loans / Shares71.00%59.79%61.31%57.78%65.59%-541 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps