Provo, UT · Charter 67128
NCUA · 4 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Provo, UT · Charter 67128
NCUA · 4 branches
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.82% | 3.65% | 2.59% | -6.18% | -3.86% | -4.54% | -9.65% | -6.66% | -48 bps | |
| Return on Equity | 25.66% | 34.05% | 25.47% | -131.51% | -71.13% | -97.44% | -678% | -502% | -37,057 bps | |
| Net Interest Margin | 6.14% | 6.29% | 5.97% | 6.33% | 6.14% | 5.45% | 5.37% | 4.97% | -136 bps | |
| Efficiency Ratio | 60.72% | 57.81% | 52.72% | 55.42% | 55.92% | 63.33% | 64.85% | 67.76% | +1,234 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.81% | 25.12% | 32.62% | 23.38% | 17.25% | -3.03% | -17.92% | -14.74% | -3,811 bps | |
| Loan Growth (YoY) | 28.99% | 24.90% | 37.48% | 26.31% | 12.33% | -4.10% | -24.83% | -27.83% | -5,414 bps | |
| Share Growth (YoY) | 24.13% | 23.74% | 32.85% | 32.08% | 24.72% | 3.40% | -10.13% | -11.82% | -4,390 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.72% | 2.59% | 3.06% | 3.18% | 6.35% | 7.23% | 8.76% | 5.41% | +223 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 | 0.50% | 0.52% | 0.81% | 5.36% | 4.68% | 5.69% | 7.71% | 7.10% | +174 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.97% | 10.71% | 10.18% | 4.70% | 5.43% | 4.66% | 1.42% | 1.33% | -337 bps | |
| Net Worth / Assets | 10.97% | 10.71% | 10.18% | 4.70% | 5.43% | 4.66% | 1.42% | 1.33% | -337 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.92% | 100.47% | 103.55% | 99.64% | 93.60% | 93.18% | 86.62% | 81.55% | -1,809 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |