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Sunnyside Credit Union

Sunnyside, UT · Charter 67105

NCUA · 1 branch

Q4 2018

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: Q4 2018, the quarter ended December 31, 2018, 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

Sunnyside Credit Union

Sunnyside, UT · Charter 67105

NCUA · 1 branch

Q4 2018

$1.9MAssets
$1.0MLoans
$1.8MShares
$129KNet 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 -3.86%, down 40 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 1.79% of loans (+179 bps YoY).
  • Capital: net worth / assets of 6.78%, down 133 bps from a year ago.
  • Funding: loans stand at 58.96% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

-3.86%-40 bps YoY

Net Interest Margin (YTD, annualized)

4.04%+61 bps YoY

Efficiency Ratio (YTD, annualized)

177.71%+418 bps YoY

Net Worth / Assets

6.78%-133 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets-3.46%-0.62%-1.49%-2.09%-3.86%-40 bps
Return on Equity-42.67%-7.40%-17.91%-24.79%-56.95%-1,428 bps
Net Interest Margin3.43%3.32%3.62%3.87%4.04%+61 bps
Efficiency Ratio173.52%164.02%154.01%153.42%177.71%+418 bps
Growth
Asset Growth (YoY)-5.34%-10.53%-14.85%-24.26%-23.81%-1,847 bps
Loan Growth (YoY)-9.85%-6.85%-11.94%-19.80%-24.66%-1,481 bps
Share Growth (YoY)-2.53%-8.74%-13.79%-24.34%-22.70%-2,017 bps
Asset Quality
Delinquent Loans / Loans0.00%1.60%0.03%0.00%1.79%+179 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.21%1.23%1.31%1.46%1.61%-59 bps
Capital
Risk-Based Capital8.11%8.33%8.32%8.45%6.78%-133 bps
Net Worth / Assets8.11%8.33%8.32%8.45%6.78%-133 bps
Liquidity & Funding
Loans / Shares60.50%61.65%62.14%62.10%58.96%-154 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps