Salt Lake Cit, UT · Charter 9738
NCUA · 2 branches
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.27% | 0.29% | 0.19% | 0.27% | 0.28% | 0.27% | 0.02% | -16 bps | |
| Return on Equity | 1.74% | 1.75% | 1.77% | 1.17% | 1.76% | 1.75% | 1.66% | 0.13% | -104 bps | |
| Net Interest Margin | 2.52% | 2.53% | 2.61% | 2.56% | 2.55% | 2.64% | 2.69% | 2.73% | +17 bps | |
| Efficiency Ratio | 90.47% | 90.37% | 90.34% | 93.38% | 90.31% | 90.08% | 89.99% | 99.26% | +588 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.53% | -1.49% | -4.81% | -2.74% | 1.71% | -0.91% | 0.54% | -3.10% | -36 bps | |
| Loan Growth (YoY) | 2.31% | 4.80% | 8.74% | 9.12% | 7.04% | 7.41% | 0.20% | -0.57% | -969 bps | |
| Share Growth (YoY) | -3.44% | -2.22% | -5.59% | -3.60% | 1.58% | -1.48% | 0.36% | -4.51% | -91 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.14% | 0.21% | 0.32% | 0.00% | 0.10% | 0.01% | 0.06% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 1.03% | 0.97% | 0.92% | 0.79% | 0.71% | 0.66% | 0.70% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.48% | 15.60% | 16.16% | 15.98% | 15.49% | 16.03% | 16.34% | 16.73% | +75 bps | |
| Net Worth / Assets | 15.48% | 15.60% | 16.16% | 15.98% | 15.49% | 16.03% | 16.34% | 16.73% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.57% | 51.49% | 56.78% | 55.31% | 53.28% | 56.14% | 56.69% | 57.60% | +228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |