Littleton, CO · Charter 15180
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Littleton, CO · Charter 15180
Q4 2005
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.28% | 0.36% | 0.26% | 0.35% | 0.01% | +30 bps | |
| Return on Equity | -2.67% | 3.33% | 2.47% | 2.51% | 0.10% | +276 bps | |
| Net Interest Margin | 2.35% | 2.88% | 2.89% | 3.70% | 3.40% | +105 bps | |
| Efficiency Ratio | 103.58% | 87.59% | 90.87% | 90.60% | 99.63% | -396 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.15% | -2.00% | 7.72% | -20.28% | -18.59% | -1,844 bps | |
| Loan Growth (YoY) | 33.40% | 37.81% | 11.19% | 3.24% | -13.15% | -4,655 bps | |
| Share Growth (YoY) | 0.29% | -2.06% | 8.20% | -22.93% | -20.82% | -2,112 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.97% | 3.96% | 3.04% | 4.21% | 5.25% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 1.06% | 0.95% | 1.06% | 0.85% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.68% | 10.73% | 10.65% | 13.82% | 13.13% | +245 bps | |
| Net Worth / Assets | 10.68% | 10.73% | 10.65% | 13.82% | 13.13% | +245 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.32% | 66.39% | 73.01% | 87.33% | 76.04% | +672 bps | |
| Liquid Assets / Assets | 35.48% | 37.93% | 32.53% | 21.68% | 30.60% | -489 bps | |