Salt Lake City, UT · Charter 67150
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.48% | 3.82% | 3.41% | 4.02% | 1.37% | -312 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -2.45% | -9.93% | -6.05% | -17.73% | -22.09% | -1,965 bps | |
| Loan Growth (YoY) | -25.14% | -3.66% | -8.51% | -17.39% | -11.04% | +1,410 bps | |
| Share Growth (YoY) | -4.84% | -12.84% | -7.79% | -20.40% | -20.03% | -1,519 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 5.91% | 5.11% | 7.33% | 1.20% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 0.45% | 0.61% | 0.29% | 0.12% | -103 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.46% | 105.80% | 104.10% | 89.45% | 87.28% | +883 bps | |
| Liquid Assets / Assets | 24.15% | 3.81% | 4.74% | 16.75% | 16.40% | -775 bps | |