PackageTrendsPeer
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FBW

Englewood, CO · Charter 17770

Q2 1999

$1.3MAssets
$844KLoans
$1.1MShares
n/aNet 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 6.20%, up 127 bps year over year.
  • Asset quality: problem loans at 0.31% of loans (+6 bps YoY).
  • Funding: loans stand at 78.23% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

6.20%+127 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.92%5.46%5.72%5.67%6.20%+127 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)22.29%19.92%30.49%17.24%-4.46%-2,676 bps
Loan Growth (YoY)15.32%19.90%8.89%26.46%26.37%+1,105 bps
Share Growth (YoY)23.00%20.00%32.48%16.37%-9.31%-3,231 bps
Asset Quality
Delinquent Loans / Loans0.25%0.20%0.15%0.49%0.31%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.35%0.43%0.54%0.66%0.65%+30 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares56.14%67.20%67.02%68.42%78.23%+2,209 bps
Liquid Assets / Assets32.34%29.81%20.65%23.72%24.61%-773 bps