Salt Lake City, UT · Charter 68365
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.51% | -6.41% | -6.65% | 0.87% | 0.94% | +645 bps | |
| Return on Equity | -98.35% | -239% | -242% | 28.20% | 27.09% | +12,544 bps | |
| Net Interest Margin | 3.96% | 4.16% | 4.31% | 3.97% | 3.84% | -12 bps | |
| Efficiency Ratio | 79.46% | 85.76% | 85.82% | 83.56% | 81.49% | +203 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.44% | -5.16% | -14.76% | -15.27% | -18.42% | -298 bps | |
| Loan Growth (YoY) | -9.79% | -12.50% | -17.64% | -17.97% | -23.61% | -1,381 bps | |
| Share Growth (YoY) | -14.05% | 1.38% | -9.29% | -12.98% | -16.71% | -266 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.26% | 1.93% | 1.20% | 0.67% | 1.06% | -221 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.28% | 5.20% | 5.06% | 4.96% | 4.47% | +219 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.60% | 2.68% | 2.75% | 3.08% | 3.47% | -214 bps | |
| Net Worth / Assets | 5.60% | 2.68% | 2.75% | 3.08% | 3.47% | -214 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.75% | 84.10% | 86.02% | 81.45% | 79.57% | -718 bps | |
| Liquid Assets / Assets | 99.80% | 0.00% | 0.00% | 0.00% | 0.00% | -9,980 bps | |