Smithfield, UT · Charter 67143
Q4 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 1.49% | 1.26% | 1.12% | 0.90% | -20 bps | |
| Return on Equity | 7.56% | 9.73% | 8.01% | 6.95% | 5.82% | -174 bps | |
| Net Interest Margin | 2.48% | 3.07% | 2.72% | 2.70% | 2.57% | +9 bps | |
| Efficiency Ratio | 56.78% | 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 / Loans | 0.14% | 0.23% | 0.24% | 0.74% | 1.46% | +132 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.24% | 0.31% | 0.30% | 0.19% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.53% | 15.27% | 15.73% | 16.16% | 15.50% | +96 bps | |
| Net Worth / Assets | 14.53% | 15.27% | 15.73% | 16.16% | 15.50% | +96 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.90% | 67.02% | 70.43% | 76.45% | 73.41% | +951 bps | |
| Liquid Assets / Assets | 42.80% | 35.09% | 38.00% | 20.07% | 32.95% | -985 bps | |