Salt Lake Cy, UT · Charter 67114
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Salt Lake Cy, UT · Charter 67114
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.54% | 0.64% | 0.74% | 1.04% | +34 bps | |
| Return on Equity | 9.87% | 7.65% | 8.72% | 9.37% | 12.68% | +281 bps | |
| Net Interest Margin | 3.56% | 3.64% | 3.75% | 3.99% | 4.14% | +58 bps | |
| Efficiency Ratio | 85.10% | 86.34% | 83.91% | 82.21% | 75.38% | -972 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.02% | 4.70% | 2.96% | -2.01% | -4.08% | -910 bps | |
| Loan Growth (YoY) | 11.31% | 11.42% | 9.86% | 4.35% | -4.36% | -1,567 bps | |
| Share Growth (YoY) | 5.34% | 4.73% | 2.75% | -2.93% | -5.28% | -1,062 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 0.88% | 1.28% | 0.45% | 0.32% | -51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.76% | 0.76% | 0.87% | 0.93% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.08% | 7.11% | 7.32% | 7.88% | 8.20% | +112 bps | |
| Net Worth / Assets | 7.08% | 7.11% | 7.32% | 7.88% | 8.20% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.08% | 65.75% | 67.06% | 67.64% | 66.73% | +64 bps | |
| Liquid Assets / Assets | 30.54% | 29.24% | 30.91% | 28.48% | 31.24% | +70 bps | |