Denver, CO · Charter 15435
NCUA · 1 branch
Q3 2023
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.39% | -0.60% | -0.54% | -0.32% | -0.02% | 0.85% | 0.93% | 1.18% | +150 bps | |
| Return on Equity | -2.55% | -4.10% | -3.49% | -2.10% | -0.10% | 5.29% | 5.39% | 6.62% | +872 bps | |
| Net Interest Margin | 1.14% | 0.96% | 1.07% | 1.25% | 1.38% | 2.58% | 2.85% | 3.12% | +188 bps | |
| Efficiency Ratio | 125.04% | 145.85% | 136.93% | 119.50% | 100.87% | 71.14% | 71.55% | 66.35% | -5,315 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.04% | -2.38% | -7.54% | -6.75% | -0.37% | -7.46% | -7.99% | -10.01% | -325 bps | |
| Loan Growth (YoY) | 30.34% | 26.79% | 28.67% | 35.81% | -16.15% | -18.05% | -21.58% | -22.60% | -5,842 bps | |
| Share Growth (YoY) | 0.59% | -2.24% | -8.26% | -7.52% | -0.28% | -8.90% | -10.06% | -12.80% | -528 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.11% | 0.20% | 0.10% | 0.07% | 0.02% | 0.00% | 0.20% | +10 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 | 0.47% | 0.51% | 0.54% | 0.58% | 0.58% | 0.61% | 0.67% | 0.73% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.32% | 14.75% | 15.35% | 15.25% | 15.20% | 16.14% | 17.25% | 17.89% | +263 bps | |
| Net Worth / Assets | 15.32% | 14.75% | 15.35% | 15.25% | 15.20% | 16.14% | 17.25% | 17.89% | +263 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 22.60% | 20.72% | 20.99% | 19.32% | 19.00% | 18.64% | 18.30% | 17.15% | -217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |