Salt Lake Cy, UT · Charter 67106
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -0.16% | 0.03% | -0.08% | -0.08% | +6 bps | |
| Return on Equity | -0.86% | -0.99% | 0.20% | -0.46% | -0.44% | +41 bps | |
| Net Interest Margin | 3.32% | 3.42% | 3.16% | 3.17% | 3.30% | -3 bps | |
| Efficiency Ratio | 103.31% | 103.84% | 99.13% | 102.02% | 101.93% | -138 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.74% | -8.35% | -10.55% | -12.26% | -11.65% | -391 bps | |
| Loan Growth (YoY) | -20.16% | -21.05% | -17.50% | -17.88% | -18.93% | +122 bps | |
| Share Growth (YoY) | -6.74% | -9.54% | -12.24% | -14.37% | -13.53% | -679 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 1.14% | 0.79% | 1.26% | 0.52% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.35% | 3.93% | 4.08% | 4.03% | 4.64% | +128 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.94% | 16.60% | 17.03% | 17.26% | 17.93% | +198 bps | |
| Net Worth / Assets | 15.94% | 16.60% | 17.03% | 17.26% | 17.93% | +198 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.90% | 58.83% | 58.29% | 56.88% | 56.16% | -374 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |