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Deseret News Emp. Credit Union

Salt Lake Cy, UT · Charter 67101

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

Deseret News Emp. Credit Union

Salt Lake Cy, UT · Charter 67101

Q2 2014

$1.6MAssets
$636KLoans
$1.3MShares
$281KNet 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 -2.63%, down 23 bps year over year; NIM at 2.37%.
  • Asset quality: problem loans at 0.51% of loans (-449 bps YoY).
  • Capital: net worth / assets of 17.65%, down 119 bps from a year ago.
  • Funding: loans stand at 48.54% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-2.63%-23 bps YoY

Net Interest Margin (YTD, annualized)

2.37%-4 bps YoY

Efficiency Ratio (YTD, annualized)

210%+1,425 bps YoY

Net Worth / Assets

17.65%-119 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-2.40%-2.26%-2.49%-2.18%-2.63%-23 bps
Return on Equity-12.75%-11.84%-13.37%-12.14%-14.91%-216 bps
Net Interest Margin2.41%2.46%2.58%2.32%2.37%-4 bps
Efficiency Ratio195.71%188.79%193.46%192.39%210%+1,425 bps
Growth
Asset Growth (YoY)-12.83%-14.82%-5.58%-4.78%-6.55%+628 bps
Loan Growth (YoY)-7.56%-7.97%-5.30%-7.35%-8.68%-112 bps
Share Growth (YoY)-13.22%-15.72%-4.08%-2.99%-5.15%+807 bps
Asset Quality
Delinquent Loans / Loans5.00%2.83%1.72%0.97%0.51%-449 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.85%0.87%0.74%0.77%0.77%-8 bps
Capital
Risk-Based Capital18.84%19.08%18.66%17.94%17.65%-119 bps
Net Worth / Assets18.84%19.08%18.66%17.94%17.65%-119 bps
Liquidity & Funding
Loans / Shares50.41%51.11%50.70%47.42%48.54%-187 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps