Sandy, UT · Charter 67148
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | -0.20% | 0.04% | 0.66% | 0.70% | +37 bps | |
| Return on Equity | 2.35% | -1.38% | 0.26% | 4.44% | 5.84% | +348 bps | |
| Net Interest Margin | 3.73% | 4.08% | 4.06% | 4.03% | 3.86% | +13 bps | |
| Efficiency Ratio | 84.36% | 98.62% | 94.53% | 83.90% | 82.08% | -228 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.89% | -0.77% | 11.49% | -1.72% | -4.83% | -1,472 bps | |
| Loan Growth (YoY) | 25.82% | 32.21% | 18.83% | -5.22% | -6.31% | -3,213 bps | |
| Share Growth (YoY) | 12.06% | -0.23% | 13.74% | -2.08% | -2.46% | -1,452 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.01% | 2.23% | 1.69% | 2.01% | 0.41% | -60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.20% | 2.14% | 2.25% | 2.36% | 2.40% | +20 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.98% | 14.54% | 14.45% | 14.84% | 12.00% | -198 bps | |
| Net Worth / Assets | 13.98% | 14.54% | 14.45% | 14.84% | 12.00% | -198 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.17% | 113.01% | 104.78% | 102.24% | 96.22% | -395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |