Denver, CO · Charter 13021
NCUA · 1 branch
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.28% | 0.17% | 0.32% | 0.31% | -0.14% | 0.19% | -0.26% | -58 bps | |
| Return on Equity | 3.03% | 1.99% | 1.21% | 2.31% | 2.13% | -1.01% | 1.32% | -1.82% | -413 bps | |
| Net Interest Margin | 2.43% | 2.49% | 2.33% | 2.24% | 2.40% | 2.30% | 2.36% | 2.41% | +17 bps | |
| Efficiency Ratio | 83.11% | 88.90% | 92.98% | 86.76% | 87.82% | 106.11% | 92.43% | 98.13% | +1,138 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.57% | 0.63% | 2.59% | 2.87% | -3.15% | 2.51% | 0.47% | -4.89% | -775 bps | |
| Loan Growth (YoY) | -13.72% | -27.12% | -31.81% | -28.65% | -24.74% | -21.86% | -13.85% | -23.44% | +521 bps | |
| Share Growth (YoY) | 3.63% | 0.31% | 2.72% | 2.98% | -4.01% | 2.68% | 0.18% | -5.56% | -854 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 0.00% | 1.54% | 0.00% | 0.86% | 4.89% | 5.42% | 0.28% | +28 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 | 1.78% | 2.25% | 2.61% | 2.58% | 2.37% | 2.93% | 3.12% | 2.74% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.84% | 14.25% | 13.97% | 13.71% | 14.60% | 14.09% | 14.22% | 14.28% | +57 bps | |
| Net Worth / Assets | 13.84% | 14.25% | 13.97% | 13.71% | 14.60% | 14.09% | 14.22% | 14.28% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.25% | 21.38% | 18.00% | 17.64% | 20.58% | 16.27% | 15.48% | 14.30% | -334 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |