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C M S

Colorado Spri, CO · Charter 12055

Q1 2003

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: Q1 2003, the quarter ended March 31, 2003, 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

C M S

Colorado Spri, CO · Charter 12055

Q1 2003

$1.2MAssets
$700KLoans
$684KShares
$464KNet 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 0.44%, down 68 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 22.60% of loans (+1,180 bps YoY).
  • Capital: net worth / assets of 40.30%, down 335 bps from a year ago.
  • Funding: loans stand at 102.32% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

0.44%-68 bps YoY

Net Interest Margin (YTD, annualized)

4.19%-142 bps YoY

Efficiency Ratio (YTD, annualized)

77.14%+538 bps YoY

Net Worth / Assets

40.30%-335 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets1.11%0.52%-3.09%-3.14%0.44%-68 bps
Return on Equity2.55%1.23%-7.57%-7.68%1.09%-147 bps
Net Interest Margin5.61%4.91%6.36%5.06%4.19%-142 bps
Efficiency Ratio71.76%79.13%63.07%77.09%77.14%+538 bps
Growth
Asset Growth (YoY)-2.72%7.64%0.40%1.54%0.80%+352 bps
Loan Growth (YoY)-3.75%-6.08%-14.42%-19.65%-21.01%-1,726 bps
Share Growth (YoY)-6.22%12.49%3.30%8.33%7.02%+1,324 bps
Asset Quality
Delinquent Loans / Loans10.80%13.02%13.18%20.52%22.60%+1,180 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.92%3.13%6.89%7.61%8.76%+584 bps
Capital
Risk-Based Capital43.65%42.23%40.80%40.83%40.30%-335 bps
Net Worth / Assets43.65%42.23%40.80%40.83%40.30%-335 bps
Liquidity & Funding
Loans / Shares138.63%124.21%124.25%117.74%102.32%-3,631 bps
Liquid Assets / Assets22.68%29.45%20.75%24.67%40.33%+1,765 bps