Salt Lake Cit, UT · Charter 67867
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.28% | 2.43% | 0.14% | 0.50% | 0.71% | -257 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.41% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.51% | 4.76% | 4.70% | n/a | |
| Efficiency Ratio | n/a | n/a | 90.82% | 87.74% | 84.43% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.07% | -0.57% | 1.14% | -0.82% | 3.91% | +183 bps | |
| Loan Growth (YoY) | -5.34% | -4.41% | -0.37% | 5.38% | 5.90% | +1,124 bps | |
| Share Growth (YoY) | 1.40% | -1.30% | 0.43% | -1.70% | 3.48% | +209 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.41% | 0.30% | 0.19% | 0.43% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.15% | 1.13% | 1.02% | 1.04% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 11.10% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 11.10% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.45% | 71.72% | 76.79% | 79.17% | 76.19% | +174 bps | |
| Liquid Assets / Assets | 29.07% | 30.11% | 20.61% | 23.87% | 26.60% | -247 bps | |