Lakewood, CO · Charter 19845
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Lakewood, CO · Charter 19845
Q3 2014
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | 0.14% | -0.10% | -0.36% | -0.96% | -82 bps | |
| Return on Equity | -1.67% | 1.51% | -1.07% | -4.10% | -11.66% | -1,000 bps | |
| Net Interest Margin | 2.78% | 2.87% | 2.78% | 2.58% | 2.48% | -30 bps | |
| Efficiency Ratio | 104.21% | 101.89% | 102.95% | 111.42% | 131.49% | +2,728 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.89% | 0.35% | -5.34% | -1.38% | -3.78% | -967 bps | |
| Loan Growth (YoY) | -10.13% | -10.37% | -10.90% | -18.66% | -20.71% | -1,058 bps | |
| Share Growth (YoY) | 6.80% | 0.25% | -6.08% | -1.51% | -3.45% | -1,026 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 0.00% | 0.00% | 0.00% | 0.44% | -76 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 0.37% | 0.39% | 0.43% | 0.47% | -64 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.34% | 9.02% | 9.25% | 8.68% | 8.19% | -15 bps | |
| Net Worth / Assets | 8.34% | 9.02% | 9.25% | 8.68% | 8.19% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.27% | 49.93% | 48.78% | 41.84% | 38.83% | -845 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |