Salt Lake Cy, UT · Charter 67118
NCUA · 1 branch
Q2 2018
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.12% | -0.91% | -1.86% | -8.99% | -7.02% | -590 bps | |
| Return on Equity | -6.03% | -5.10% | -10.44% | -52.73% | -33.65% | -2,762 bps | |
| Net Interest Margin | 2.36% | 2.10% | 2.17% | 1.74% | 1.24% | -112 bps | |
| Efficiency Ratio | 144.00% | 139.22% | 149.32% | 194.34% | 215% | +7,084 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.97% | 0.43% | -6.07% | -7.15% | -27.49% | -2,651 bps | |
| Loan Growth (YoY) | -9.72% | -16.94% | -22.20% | -41.37% | -39.18% | -2,946 bps | |
| Share Growth (YoY) | -1.70% | 2.03% | -4.58% | -4.12% | -28.05% | -2,635 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.92% | 7.59% | 18.11% | 4.66% | 11.52% | -40 bps | |
| Net Charge-Offs / Loans | 4.63% | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 5.04% | 5.60% | 5.75% | 10.43% | 10.49% | +545 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.51% | 17.93% | 17.79% | 17.04% | 20.85% | +234 bps | |
| Net Worth / Assets | 18.51% | 17.93% | 17.79% | 17.04% | 20.85% | +234 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.66% | 31.21% | 30.75% | 23.27% | 30.99% | -567 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |