PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Boulder Community Hospital

Boulder, CO · Charter 19534

Q4 1997

$3.2MAssets
$1.7MLoans
$2.9MShares
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 4.08%, down 17 bps year over year.
  • Asset quality: problem loans at 4.00% of loans (+236 bps YoY).
  • Funding: loans stand at 59.45% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.08%-17 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.25%4.43%3.24%3.94%4.08%-17 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)n/a52.28%46.35%34.55%10.44%n/a
Loan Growth (YoY)n/a64.25%33.94%-0.46%-26.33%n/a
Share Growth (YoY)n/a54.71%50.04%37.73%11.08%n/a
Asset Quality
Delinquent Loans / Loans1.64%0.39%4.38%5.19%4.00%+236 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.23%1.08%1.69%2.96%2.39%+116 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 / Shares89.64%82.67%79.46%71.72%59.45%-3,019 bps
Liquid Assets / Assets19.70%21.70%24.79%32.31%33.13%+1,343 bps