PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Utah Associations

Salt Lake City, UT · Charter 67166

Q4 1998

$6.3MAssets
$4.5MLoans
$5.5MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.86%, down 4 bps year over year.
  • Asset quality: problem loans at 0.98% of loans (+28 bps YoY).
  • Funding: loans stand at 81.69% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

4.86%-4 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.91%4.72%4.85%4.63%4.86%-4 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-1.96%0.08%5.71%16.95%20.65%+2,261 bps
Loan Growth (YoY)36.07%29.49%23.40%5.59%-6.36%-4,243 bps
Share Growth (YoY)-5.38%-3.29%2.88%15.75%20.48%+2,586 bps
Asset Quality
Delinquent Loans / Loans0.69%0.76%0.67%1.06%0.98%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.89%0.69%0.96%0.82%0.83%-6 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares105.10%100.20%103.14%78.76%81.69%-2,341 bps
Liquid Assets / Assets6.32%10.65%9.27%29.34%0.00%-632 bps