Salt Lake City, UT · Charter 67165
NCUA · 1 branch
Q2 2024
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 0.97% | 0.72% | -3.54% | 0.36% | -84 bps | |
| Return on Equity | 9.06% | 6.88% | 4.97% | -23.26% | 2.32% | -674 bps | |
| Net Interest Margin | 4.00% | 4.19% | 4.21% | 3.80% | 3.73% | -26 bps | |
| Efficiency Ratio | 71.10% | 77.16% | 82.20% | 90.30% | 91.14% | +2,004 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.60% | -8.04% | -12.40% | -15.69% | -12.64% | -705 bps | |
| Loan Growth (YoY) | 45.17% | 29.47% | 15.80% | -0.22% | -9.10% | -5,426 bps | |
| Share Growth (YoY) | -6.98% | -9.73% | -14.66% | -18.51% | -14.72% | -774 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.68% | 0.69% | 0.00% | 0.52% | +52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.24% | 14.10% | 14.48% | 15.23% | 15.34% | +210 bps | |
| Net Worth / Assets | 13.24% | 14.10% | 14.48% | 15.23% | 15.34% | +210 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.12% | 85.67% | 87.21% | 89.36% | 85.41% | +529 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |