Draper, UT · Charter 67157
NCUA · 1 branch
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Draper, UT · Charter 67157
NCUA · 1 branch
Q4 2022
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.22% | 0.34% | 0.39% | -0.21% | 0.15% | -0.13% | 0.47% | +8 bps | |
| Return on Equity | 3.61% | 2.50% | 4.00% | 3.95% | -2.11% | 1.57% | -1.36% | 3.30% | -65 bps | |
| Net Interest Margin | 4.66% | 4.28% | 4.13% | 4.59% | 4.55% | 4.29% | 3.81% | 5.69% | +110 bps | |
| Efficiency Ratio | 93.20% | 95.29% | 92.30% | 92.31% | 104.42% | 96.74% | 103.03% | 92.33% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.73% | 4.99% | 7.19% | 3.99% | -7.30% | -7.01% | -7.28% | -31.17% | -3,516 bps | |
| Loan Growth (YoY) | -4.87% | -10.57% | -11.53% | -7.49% | -12.27% | -14.61% | -20.25% | -30.29% | -2,280 bps | |
| Share Growth (YoY) | 8.61% | 5.23% | 7.47% | 3.76% | -8.30% | -8.01% | -8.44% | -34.49% | -3,825 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.18% | 0.13% | 0.24% | 0.76% | 0.08% | 0.04% | 1.23% | +98 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.47% | 2.49% | 2.54% | 2.39% | 2.68% | 2.78% | 3.05% | 3.28% | +89 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.10% | 8.72% | 8.62% | 9.80% | 10.08% | 9.71% | 9.34% | 14.28% | +448 bps | |
| Net Worth / Assets | 9.10% | 8.72% | 8.62% | 9.80% | 10.08% | 9.71% | 9.34% | 14.28% | +448 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.66% | 79.85% | 75.70% | 88.42% | 80.99% | 74.11% | 65.94% | 94.09% | +568 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |