Draper, UT · Charter 67094
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 5.89% | 5.22% | 4.90% | 4.01% | 4.22% | -168 bps | |
| Efficiency Ratio | 94.04% | 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 / Loans | 1.09% | 2.14% | 3.61% | 2.29% | 5.01% | +392 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.08% | 0.34% | 1.13% | +113 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.35% | 14.44% | 13.22% | 11.97% | 10.40% | -595 bps | |
| Net Worth / Assets | 16.35% | 14.44% | 13.22% | 11.97% | 10.40% | -595 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.00% | 59.79% | 61.31% | 57.78% | 65.59% | -541 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |