Denver, CO · Charter 1590
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Denver, CO · Charter 1590
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.70% | -2.49% | -0.44% | -11.28% | -6.66% | -497 bps | |
| Return on Equity | -13.28% | -22.02% | -3.79% | -172.29% | -79.66% | -6,638 bps | |
| Net Interest Margin | 3.43% | 3.36% | 4.36% | 4.13% | 4.59% | +116 bps | |
| Efficiency Ratio | 133.62% | 135.21% | 88.09% | 251% | 171.22% | +3,759 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.43% | 0.57% | -3.65% | -7.81% | -13.80% | -837 bps | |
| Loan Growth (YoY) | 12.69% | 13.12% | 9.66% | 1.29% | -4.70% | -1,739 bps | |
| Share Growth (YoY) | -3.63% | 0.19% | -2.11% | -4.84% | -11.02% | -739 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.69% | 1.53% | 1.97% | 2.23% | 6.09% | +341 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.75% | 1.05% | 1.91% | 1.90% | +150 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.78% | 11.30% | 11.54% | 6.55% | 8.36% | -442 bps | |
| Net Worth / Assets | 12.78% | 11.30% | 11.54% | 6.55% | 8.36% | -442 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.39% | 92.98% | 89.34% | 88.07% | 93.59% | +621 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |