Logan, UT · Charter 67161
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Logan, UT · Charter 67161
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.15% | -0.27% | -0.54% | -1.17% | -0.02% | +14 bps | |
| Return on Equity | -1.80% | -3.23% | -7.18% | -14.40% | -0.21% | +159 bps | |
| Net Interest Margin | 2.20% | 2.09% | 1.95% | 2.42% | 2.21% | +2 bps | |
| Efficiency Ratio | 106.51% | 111.73% | 125.59% | 115.32% | 100.64% | -586 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.92% | -4.28% | 1.47% | -3.24% | -3.28% | +864 bps | |
| Loan Growth (YoY) | -9.60% | -11.32% | -11.17% | -11.26% | 5.71% | +1,531 bps | |
| Share Growth (YoY) | -12.72% | -4.39% | 2.04% | -2.54% | -2.45% | +1,027 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.35% | 5.14% | 5.10% | 2.04% | 0.00% | -535 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.21% | 2.48% | 2.36% | 1.61% | 1.52% | -169 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.50% | 8.22% | 7.54% | 8.12% | 7.71% | -79 bps | |
| Net Worth / Assets | 8.50% | 8.22% | 7.54% | 8.12% | 7.71% | -79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.08% | 49.41% | 48.74% | 56.54% | 56.44% | +436 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |