Salt Lake Cy, UT · Charter 67113
Q4 2009
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.88% | 0.14% | 0.95% | -1.39% | -6.39% | -552 bps | |
| Return on Equity | -3.68% | 0.59% | 3.97% | -5.90% | -31.99% | -2,831 bps | |
| Net Interest Margin | 4.38% | 4.31% | 4.04% | 4.00% | 2.93% | -145 bps | |
| Efficiency Ratio | 119.69% | 93.72% | 81.45% | 125.72% | 287% | +16,716 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.51% | -3.39% | -2.74% | -5.59% | -11.74% | -1,225 bps | |
| Loan Growth (YoY) | -6.82% | -6.34% | -1.25% | -12.45% | -20.55% | -1,373 bps | |
| Share Growth (YoY) | 1.92% | -2.68% | -2.41% | 0.04% | -4.00% | -593 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 3.14% | +314 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.54% | 0.54% | 0.84% | 0.93% | +47 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.80% | 23.89% | 24.03% | 23.59% | 19.99% | -382 bps | |
| Net Worth / Assets | 23.80% | 23.89% | 24.03% | 23.59% | 19.99% | -382 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.64% | 51.32% | 50.22% | 46.50% | 43.57% | -907 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |