PackageTrendsPeer
Letter portraitLegal landscape

Logan Cache Rich Credit Union

Smithfield, UT · Charter 67143

Q4 2005

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: Q4 2005, the quarter ended December 31, 2005, 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

Logan Cache Rich Credit Union

Smithfield, UT · Charter 67143

Q4 2005

$11.7MAssets
$7.3MLoans
$9.9MShares
$1.8MNet 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 0.90%, down 20 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 1.46% of loans (+132 bps YoY).
  • Capital: net worth / assets of 15.50%, up 96 bps from a year ago.
  • Funding: loans stand at 73.41% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

0.90%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.57%+9 bps YoY

Efficiency Ratio (YTD, annualized)

65.39%+861 bps YoY

Net Worth / Assets

15.50%+96 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets1.10%1.49%1.26%1.12%0.90%-20 bps
Return on Equity7.56%9.73%8.01%6.95%5.82%-174 bps
Net Interest Margin2.48%3.07%2.72%2.70%2.57%+9 bps
Efficiency Ratio56.78%51.99%54.14%58.96%65.39%+861 bps
Growth
Asset Growth (YoY)5.60%3.05%-3.07%-6.90%-0.41%-600 bps
Loan Growth (YoY)0.37%5.63%5.85%11.59%13.13%+1,276 bps
Share Growth (YoY)5.18%2.18%-5.08%-9.51%-1.52%-671 bps
Asset Quality
Delinquent Loans / Loans0.14%0.23%0.24%0.74%1.46%+132 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.23%0.24%0.31%0.30%0.19%-4 bps
Capital
Risk-Based Capital14.53%15.27%15.73%16.16%15.50%+96 bps
Net Worth / Assets14.53%15.27%15.73%16.16%15.50%+96 bps
Liquidity & Funding
Loans / Shares63.90%67.02%70.43%76.45%73.41%+951 bps
Liquid Assets / Assets42.80%35.09%38.00%20.07%32.95%-985 bps