Colorado Spring, CO · Charter 12056
NCUA · 1 branch
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.40% | -0.20% | -3.42% | -2.87% | -4.33% | 0.67% | 0.30% | +371 bps | |
| Return on Equity | 1.63% | 4.27% | -2.21% | -56.77% | -40.53% | -68.40% | 10.07% | 4.37% | +6,114 bps | |
| Net Interest Margin | 2.74% | 2.66% | 2.10% | 2.13% | 2.42% | 2.27% | 3.30% | 3.20% | +107 bps | |
| Efficiency Ratio | 94.15% | 87.91% | 106.92% | 109.56% | 106.47% | 131.79% | 85.21% | 92.01% | -1,755 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.75% | -5.59% | -2.24% | -6.94% | 1.61% | -2.19% | -8.86% | -7.46% | -51 bps | |
| Loan Growth (YoY) | 3.22% | -2.70% | -4.97% | -11.01% | -6.30% | 11.80% | 15.87% | 14.53% | +2,554 bps | |
| Share Growth (YoY) | -3.21% | -5.86% | -2.60% | -4.22% | 4.03% | 0.43% | -6.78% | -8.80% | -459 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.27% | 7.19% | 7.20% | 4.24% | 3.81% | 3.97% | 3.45% | 3.78% | -46 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 | 0.25% | 0.24% | 0.08% | 0.06% | 0.72% | 1.62% | 0.00% | 0.00% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.40% | 9.42% | 9.00% | 6.02% | 7.08% | 6.33% | 6.70% | 6.79% | +77 bps | |
| Net Worth / Assets | 9.40% | 9.42% | 9.00% | 6.02% | 7.08% | 6.33% | 6.70% | 6.79% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.48% | 69.17% | 62.26% | 60.88% | 63.48% | 77.01% | 77.39% | 76.47% | +1,558 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |