PackageTrendsPeer
Letter portraitLegal landscape

Routt Schools

Steamboat Spg, CO · Charter 16090

NCUA · 1 branch

Q3 2023

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2023, the quarter ended September 30, 2023, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Routt Schools

Steamboat Spg, CO · Charter 16090

NCUA · 1 branch

Q3 2023

$4.1MAssets
$1.4MLoans
$3.5MShares
$460KNet 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 0.18%, down 17 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 4.70% of loans (+340 bps YoY).
  • Capital: net worth / assets of 11.31%, up 142 bps from a year ago.
  • Funding: loans stand at 41.25% of shares as of Q3 2023.

Financial Results

Return on Assets (YTD, annualized)

0.18%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+38 bps YoY

Efficiency Ratio (YTD, annualized)

95.41%+534 bps YoY

Net Worth / Assets

11.31%+142 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets0.34%0.44%0.58%-0.20%0.18%-17 bps
Return on Equity3.49%4.23%5.62%-1.82%1.55%-194 bps
Net Interest Margin3.33%3.54%3.62%3.93%3.70%+38 bps
Efficiency Ratio90.07%88.33%84.54%105.04%95.41%+534 bps
Growth
Asset Growth (YoY)-18.36%-14.36%-4.53%-13.45%-10.04%+832 bps
Loan Growth (YoY)-5.20%-5.91%-0.55%-9.64%-15.37%-1,016 bps
Share Growth (YoY)-20.10%-15.83%-14.20%-15.29%-14.22%+588 bps
Asset Quality
Delinquent Loans / Loans1.30%2.86%4.70%4.99%4.70%+340 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.26%1.22%1.22%1.35%0.00%-126 bps
Capital
Risk-Based Capital9.89%10.34%10.26%11.22%11.31%+142 bps
Net Worth / Assets9.89%10.34%10.26%11.22%11.31%+142 bps
Liquidity & Funding
Loans / Shares41.81%44.30%47.87%44.77%41.25%-56 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps