Fountain, CO · Charter 12861
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.36% | -4.64% | -0.49% | -6.55% | -5.78% | -342 bps | |
| Return on Equity | -22.63% | -60.24% | -10.47% | -331% | -343% | -32,003 bps | |
| Net Interest Margin | 5.05% | 5.13% | 4.17% | 4.04% | 4.24% | -80 bps | |
| Efficiency Ratio | 78.13% | 86.37% | 99.30% | 178.94% | 175.90% | +9,778 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.22% | 6.61% | -2.08% | -13.94% | -23.09% | -3,331 bps | |
| Loan Growth (YoY) | -3.54% | -8.48% | -18.17% | -27.11% | -31.91% | -2,837 bps | |
| Share Growth (YoY) | 14.61% | 14.50% | 7.89% | -4.10% | -15.54% | -3,015 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.11% | 9.13% | 9.02% | 9.02% | 12.66% | +355 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.10% | 0.14% | 3.97% | 4.59% | 5.86% | +376 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.41% | 7.71% | 4.69% | 1.98% | 1.69% | -873 bps | |
| Net Worth / Assets | 10.41% | 7.71% | 4.69% | 1.98% | 1.69% | -873 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.09% | 82.25% | 76.24% | 73.69% | 74.24% | -1,785 bps | |
| Liquid Assets / Assets | 15.74% | 20.51% | 26.20% | 27.31% | 27.33% | +1,160 bps | |