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Bailey, Inc. Employees

West Valley Cit, UT · Charter 67137

NCUA · 1 branch

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bailey, Inc. Employees

West Valley Cit, UT · Charter 67137

NCUA · 1 branch

Q2 2016

$768KAssets
$461KLoans
$703KShares
$63KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.05%, up 426 bps year over year; NIM at 6.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.24%, up 165 bps from a year ago.
  • Funding: loans stand at 65.55% of shares as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.05%+426 bps YoY

Net Interest Margin (YTD, annualized)

6.65%-89 bps YoY

Efficiency Ratio (YTD, annualized)

86.20%+1,410 bps YoY

Net Worth / Assets

8.24%+165 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-4.32%-2.95%-2.06%-0.42%-0.05%+426 bps
Return on Equity-65.56%-38.53%-26.33%-5.27%-0.67%+6,489 bps
Net Interest Margin7.53%7.93%7.69%6.67%6.65%-89 bps
Efficiency Ratio72.10%76.49%79.81%77.47%86.20%+1,410 bps
Growth
Asset Growth (YoY)-4.16%-14.25%-13.12%-12.62%-16.28%-1,212 bps
Loan Growth (YoY)-3.95%-17.46%-26.20%-28.00%-36.68%-3,273 bps
Share Growth (YoY)-1.59%-12.40%-11.95%-14.36%-17.72%-1,614 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%2.09%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.91%5.51%5.13%5.19%4.15%-76 bps
Capital
Risk-Based Capital6.58%7.64%7.82%7.92%8.24%+165 bps
Net Worth / Assets6.58%7.64%7.82%7.92%8.24%+165 bps
Liquidity & Funding
Loans / Shares85.17%87.60%80.59%72.69%65.55%-1,962 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps