Boulder, CO · Charter 17277
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Boulder, CO · Charter 17277
Q1 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 1.08% | 1.35% | 1.43% | 1.59% | +48 bps | |
| Return on Equity | 10.20% | 9.78% | 11.59% | 12.20% | 13.70% | +350 bps | |
| Net Interest Margin | 4.04% | 4.02% | 4.09% | 3.95% | 3.62% | -42 bps | |
| Efficiency Ratio | 59.11% | 60.57% | 61.17% | 60.86% | 65.91% | +680 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.83% | 6.42% | 5.28% | 6.20% | 7.91% | +208 bps | |
| Loan Growth (YoY) | 18.75% | 18.17% | 13.04% | 6.19% | 2.85% | -1,590 bps | |
| Share Growth (YoY) | 5.89% | 7.08% | 3.79% | 4.26% | 6.17% | +27 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.87% | 0.86% | 0.68% | 0.57% | -30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.71% | 1.70% | 1.63% | 1.55% | 1.45% | -26 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.90% | 11.04% | 11.64% | 11.70% | 11.61% | +71 bps | |
| Net Worth / Assets | 10.90% | 11.04% | 11.64% | 11.70% | 11.61% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.09% | 93.44% | 95.40% | 91.99% | 86.31% | -279 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |