Panguitch, UT · Charter 67131
NCUA · 1 branch
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.02% | 0.03% | -0.44% | -2.36% | -1.33% | -1.11% | 6.86% | +730 bps | |
| Return on Equity | 0.00% | 0.07% | 0.12% | -1.86% | -8.78% | -4.95% | -4.01% | 6.89% | +875 bps | |
| Net Interest Margin | 1.73% | 1.60% | 1.52% | 1.39% | 1.04% | 0.80% | 1.03% | 2.27% | +87 bps | |
| Efficiency Ratio | 100.00% | 99.07% | 98.18% | 131.62% | 327% | 242% | 185.64% | 54.42% | -7,720 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.86% | -0.62% | -0.98% | 1.91% | -3.96% | -7.47% | -13.88% | -70.69% | -7,259 bps | |
| Loan Growth (YoY) | -51.25% | -50.84% | -54.52% | -55.43% | -49.57% | -61.26% | -93.92% | -100.00% | -4,457 bps | |
| Share Growth (YoY) | 0.08% | 4.59% | 2.69% | 5.57% | -7.92% | -11.97% | -19.37% | -100.00% | -10,557 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| 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 | 16.15% | 17.00% | 19.56% | 23.36% | 33.93% | 54.57% | 400% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 23.91% | 23.18% | 23.41% | 23.90% | 26.90% | 26.82% | 27.78% | 99.57% | +7,567 bps | |
| Net Worth / Assets | 23.91% | 23.18% | 23.41% | 23.90% | 26.90% | 26.82% | 27.78% | 99.57% | +7,567 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.92% | 23.51% | 19.80% | 16.63% | 14.20% | 10.35% | 1.49% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |