Salt Lake Cy, UT · Charter 67142
Q2 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.41% | -2.11% | -1.89% | -2.70% | -7.86% | -445 bps | |
| Return on Equity | -13.21% | -8.14% | -7.13% | -10.68% | -30.53% | -1,733 bps | |
| Net Interest Margin | 4.41% | 4.53% | 4.55% | 5.45% | 4.79% | +38 bps | |
| Efficiency Ratio | 175.71% | 143.47% | 137.49% | 144.09% | 246% | +7,002 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.07% | 3.70% | 10.39% | 2.38% | -0.23% | -430 bps | |
| Loan Growth (YoY) | 11.46% | 14.98% | 11.78% | 21.89% | -18.69% | -3,015 bps | |
| Share Growth (YoY) | 5.21% | 5.02% | 13.02% | 6.87% | 5.76% | +56 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.53% | 11.73% | 0.00% | 0.00% | 0.00% | -1,753 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.26% | 3.02% | 3.24% | 3.31% | 4.00% | +75 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.82% | 25.94% | 26.46% | 25.30% | 25.75% | -7 bps | |
| Net Worth / Assets | 25.82% | 25.94% | 26.46% | 25.30% | 25.75% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 120.84% | 130.65% | 126.86% | 119.32% | 92.91% | -2,793 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |