PackageTrendsPeer
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Rose Hill

Grand Junction, CO · Charter 13769

Q2 2001

$6.5MAssets
$5.2MLoans
$5.7MShares
$741KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.47%, down 201 bps year over year; NIM at 6.09%.
  • Asset quality: problem loans at 0.23% of loans (-224 bps YoY).
  • Capital: net worth / assets of 11.34%.
  • Funding: loans stand at 91.24% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

1.47%-201 bps YoY

Net Interest Margin (YTD, annualized)

6.09%

Efficiency Ratio (YTD, annualized)

74.40%

Net Worth / Assets

11.34%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.48%0.96%0.72%1.16%1.47%-201 bps
Return on Equityn/an/an/a9.99%12.95%n/a
Net Interest Marginn/a4.98%5.28%5.49%6.09%n/a
Efficiency Ration/a78.59%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 / Loans2.47%2.40%1.05%0.34%0.23%-224 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.76%0.86%0.58%0.54%0.56%-21 bps
Capital
Risk-Based Capitaln/an/an/a11.64%11.34%n/a
Net Worth / Assetsn/an/an/a11.64%11.34%n/a
Liquidity & Funding
Loans / Shares68.98%74.07%83.51%95.22%91.24%+2,227 bps
Liquid Assets / Assets34.93%19.67%16.99%109.68%15.90%-1,904 bps