West Valley Cit, UT · Charter 67137
NCUA · 1 branch
Q2 2016
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 7.53% | 7.93% | 7.69% | 6.67% | 6.65% | -89 bps | |
| Efficiency Ratio | 72.10% | 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 / Loans | 0.00% | 0.00% | 0.00% | 2.09% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.91% | 5.51% | 5.13% | 5.19% | 4.15% | -76 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.58% | 7.64% | 7.82% | 7.92% | 8.24% | +165 bps | |
| Net Worth / Assets | 6.58% | 7.64% | 7.82% | 7.92% | 8.24% | +165 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.17% | 87.60% | 80.59% | 72.69% | 65.55% | -1,962 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |