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Las Vegas Up Employees

Las Vegas, NV · Charter 7698

NCUA · 1 branch

Q3 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Las Vegas Up Employees

Las Vegas, NV · Charter 7698

NCUA · 1 branch

Q3 2022

$4.0MAssets
$1.1MLoans
$2.8MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of -2.25%, down 133 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 8.41% of loans (+551 bps YoY).
  • Capital: net worth / assets of 29.55%, up 54 bps from a year ago.
  • Funding: loans stand at 39.49% of shares as of Q3 2022.

Return on Assets (YTD, annualized)

-2.25%-133 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-33 bps YoY

Efficiency Ratio (YTD, annualized)

162.21%+3,781 bps YoY

Net Worth / Assets

29.55%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-1.54%-0.73%-0.89%-0.92%-1.05%-1.39%-2.63%-2.25%-133 bps
Return on Equity-5.06%-2.44%-3.01%-3.16%-3.50%-4.74%-9.15%-7.60%-444 bps
Net Interest Margin4.03%3.76%3.78%3.66%3.76%3.21%3.19%3.34%-33 bps
Efficiency Ratio114.48%121.30%123.11%124.40%126.92%144.30%174.46%162.21%+3,781 bps
Growth
Asset Growth (YoY)8.37%6.06%2.25%2.76%-1.79%-2.88%-3.30%-8.14%-1,090 bps
Loan Growth (YoY)-0.47%2.97%5.64%-1.54%-9.45%-15.18%-17.20%-20.38%-1,884 bps
Share Growth (YoY)15.33%11.80%6.05%5.65%-1.12%-2.46%-2.09%-9.05%-1,470 bps
Asset Quality
Delinquent Loans / Loans1.63%0.45%2.68%2.91%4.56%4.46%4.71%8.41%+551 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.00%2.00%2.00%2.00%2.00%2.00%2.00%2.00%0 bps
Capital
Risk-Based Capital30.37%29.72%29.62%29.01%29.88%29.40%28.73%29.55%+54 bps
Net Worth / Assets30.37%29.72%29.62%29.01%29.88%29.40%28.73%29.55%+54 bps
Liquidity & Funding
Loans / Shares50.08%47.26%48.29%45.11%45.86%41.10%40.84%39.49%-562 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps