Broomfield, CO · Charter 19009
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Broomfield, CO · Charter 19009
Q4 2005
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 2.84% | 1.83% | 1.57% | 1.26% | +20 bps | |
| Return on Equity | 9.26% | 24.08% | 15.17% | 12.76% | 9.92% | +66 bps | |
| Net Interest Margin | 3.79% | 3.70% | 3.65% | 3.70% | 3.79% | 0 bps | |
| Efficiency Ratio | 67.22% | 50.81% | 59.38% | 60.90% | 62.74% | -448 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.54% | 1.44% | 1.51% | 2.88% | -0.14% | -68 bps | |
| Loan Growth (YoY) | 2.17% | -3.16% | -4.55% | -3.98% | -4.48% | -665 bps | |
| Share Growth (YoY) | -0.60% | 0.24% | 1.00% | 1.64% | -1.41% | -81 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.35% | 0.59% | 0.62% | 1.16% | +69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.71% | 0.80% | 0.93% | 1.26% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.43% | 11.80% | 12.03% | 12.31% | 12.70% | +128 bps | |
| Net Worth / Assets | 11.43% | 11.80% | 12.03% | 12.31% | 12.70% | +128 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.60% | 66.93% | 68.25% | 68.66% | 69.37% | -223 bps | |
| Liquid Assets / Assets | 21.15% | 22.02% | 21.03% | 21.85% | 24.85% | +370 bps | |