Ogden, UT · Charter 67133
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.94% | 2.23% | -0.83% | -0.18% | 0.04% | -290 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.36% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.72% | 4.15% | 4.08% | n/a | |
| Efficiency Ratio | n/a | n/a | 103.25% | 89.10% | 89.82% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -11.75% | 7.61% | 8.95% | 0.42% | 2.49% | +1,424 bps | |
| Loan Growth (YoY) | -16.60% | -6.06% | 27.75% | 32.71% | 41.63% | +5,822 bps | |
| Share Growth (YoY) | -10.42% | 9.88% | 11.90% | 1.76% | 3.77% | +1,419 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.14% | 3.51% | 5.46% | 1.64% | 2.08% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 1.64% | 1.36% | 1.38% | 1.41% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 11.51% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 11.51% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.11% | 83.91% | 102.49% | 102.75% | 109.34% | +2,923 bps | |
| Liquid Assets / Assets | 23.53% | 15.96% | 3.66% | 3.69% | 3.42% | -2,011 bps | |