Denver, CO · Charter 13286
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.36% | -2.17% | -1.67% | -5.71% | -7.08% | -472 bps | |
| Return on Equity | -30.97% | -29.93% | -20.65% | -83.38% | -118.76% | -8,779 bps | |
| Net Interest Margin | 4.07% | 4.14% | 4.43% | 3.59% | 4.00% | -7 bps | |
| Efficiency Ratio | 147.55% | 142.74% | 141.39% | 151.62% | 161.19% | +1,364 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.26% | 5.98% | -6.32% | -12.31% | -23.28% | -2,754 bps | |
| Loan Growth (YoY) | -20.37% | -18.34% | -15.78% | -23.34% | -29.06% | -869 bps | |
| Share Growth (YoY) | 8.38% | 11.84% | -5.45% | -9.63% | -21.68% | -3,007 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.47% | 0.00% | 0.15% | 1.80% | 0.00% | -147 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.34% | 2.54% | 1.27% | 2.92% | 3.19% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.61% | 7.24% | 8.08% | 6.84% | 5.96% | -165 bps | |
| Net Worth / Assets | 7.61% | 7.24% | 8.08% | 6.84% | 5.96% | -165 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.53% | 50.80% | 53.95% | 46.42% | 48.49% | -504 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |