Grand Junction, CO · Charter 13769
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Grand Junction, CO · Charter 13769
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.48% | 0.96% | 0.72% | 1.16% | 1.47% | -201 bps | |
| Return on Equity | n/a | n/a | n/a | 9.99% | 12.95% | n/a | |
| Net Interest Margin | n/a | 4.98% | 5.28% | 5.49% | 6.09% | n/a | |
| Efficiency Ratio | n/a | 78.59% | 80.47% | 77.55% | 74.40% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 31.77% | 31.69% | 23.30% | 19.36% | 16.57% | -1,520 bps | |
| Loan Growth (YoY) | 5.62% | 8.32% | 19.46% | 36.24% | 53.34% | +4,772 bps | |
| Share Growth (YoY) | 33.02% | 33.67% | 24.50% | 19.45% | 15.92% | -1,710 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.47% | 2.40% | 1.05% | 0.34% | 0.23% | -224 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.86% | 0.58% | 0.54% | 0.56% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 11.64% | 11.34% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 11.64% | 11.34% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.98% | 74.07% | 83.51% | 95.22% | 91.24% | +2,227 bps | |
| Liquid Assets / Assets | 34.93% | 19.67% | 16.99% | 109.68% | 15.90% | -1,904 bps | |