Helper, UT · Charter 67138
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | 0.67% | 1.16% | 1.00% | 0.96% | +99 bps | |
| Return on Equity | -0.63% | 13.92% | 21.08% | 17.23% | 15.44% | +1,607 bps | |
| Net Interest Margin | 3.54% | 3.85% | 4.28% | 4.30% | 4.42% | +87 bps | |
| Efficiency Ratio | 91.79% | 85.79% | 77.99% | 81.18% | 82.49% | -930 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.97% | 4.17% | -8.63% | -9.34% | -9.56% | -1,953 bps | |
| Loan Growth (YoY) | 15.44% | 1.18% | -10.52% | -13.39% | -14.59% | -3,002 bps | |
| Share Growth (YoY) | 16.46% | 8.31% | -7.22% | -9.21% | -10.95% | -2,741 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 0.46% | 0.68% | 0.74% | 1.06% | +18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 1.03% | 1.09% | 1.07% | 1.12% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.75% | 4.81% | 5.49% | 5.80% | 6.20% | +146 bps | |
| Net Worth / Assets | 4.75% | 4.81% | 5.49% | 5.80% | 6.20% | +146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.61% | 85.14% | 88.09% | 86.15% | 86.91% | -371 bps | |
| Liquid Assets / Assets | 0.00% | 99.04% | 0.00% | 0.00% | 0.00% | 0 bps | |