Sunnyside, UT · Charter 67105
NCUA · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sunnyside, UT · Charter 67105
NCUA · 1 branch
Q4 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.13% | -3.20% | -3.11% | -3.46% | -0.62% | -1.49% | -2.09% | -3.86% | -40 bps | |
| Return on Equity | -31.16% | -33.93% | -36.65% | -42.67% | -7.40% | -17.91% | -24.79% | -56.95% | -1,428 bps | |
| Net Interest Margin | 3.14% | 3.27% | 3.20% | 3.43% | 3.32% | 3.62% | 3.87% | 4.04% | +61 bps | |
| Efficiency Ratio | 170.89% | 171.00% | 170.51% | 173.52% | 164.02% | 154.01% | 153.42% | 177.71% | +418 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.92% | -7.09% | -1.76% | -5.34% | -10.53% | -14.85% | -24.26% | -23.81% | -1,847 bps | |
| Loan Growth (YoY) | -15.34% | -12.63% | -8.92% | -9.85% | -6.85% | -11.94% | -19.80% | -24.66% | -1,481 bps | |
| Share Growth (YoY) | -6.43% | -4.41% | 1.68% | -2.53% | -8.74% | -13.79% | -24.34% | -22.70% | -2,017 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 3.21% | 1.67% | 0.00% | 1.60% | 0.03% | 0.00% | 1.79% | +179 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.68% | 1.76% | 1.92% | 2.21% | 1.23% | 1.31% | 1.46% | 1.61% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.05% | 9.42% | 8.49% | 8.11% | 8.33% | 8.32% | 8.45% | 6.78% | -133 bps | |
| Net Worth / Assets | 10.05% | 9.42% | 8.49% | 8.11% | 8.33% | 8.32% | 8.45% | 6.78% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.40% | 60.83% | 58.59% | 60.50% | 61.65% | 62.14% | 62.10% | 58.96% | -154 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |