Salt Lake Cy, UT · Charter 67101
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.41% | 2.46% | 2.58% | 2.32% | 2.37% | -4 bps | |
| Efficiency Ratio | 195.71% | 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 / Loans | 5.00% | 2.83% | 1.72% | 0.97% | 0.51% | -449 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.87% | 0.74% | 0.77% | 0.77% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.84% | 19.08% | 18.66% | 17.94% | 17.65% | -119 bps | |
| Net Worth / Assets | 18.84% | 19.08% | 18.66% | 17.94% | 17.65% | -119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.41% | 51.11% | 50.70% | 47.42% | 48.54% | -187 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |