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Cobe Employees

Lakewood, CO · Charter 19845

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cobe Employees

Lakewood, CO · Charter 19845

Q3 2014

$5.4MAssets
$1.9MLoans
$4.9MShares
$438KNet Worth

Executive Summary

  • Earnings: ROA of -0.96%, down 82 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.44% of loans (-76 bps YoY).
  • Capital: net worth / assets of 8.19%, down 15 bps from a year ago.
  • Funding: loans stand at 38.83% of shares as of Q3 2014.

Return on Assets (YTD, annualized)

-0.96%-82 bps YoY

Net Interest Margin (YTD, annualized)

2.48%-30 bps YoY

Efficiency Ratio (YTD, annualized)

131.49%+2,728 bps YoY

Net Worth / Assets

8.19%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.50%-0.12%0.02%-0.14%0.14%-0.10%-0.36%-0.96%-82 bps
Return on Equity-5.66%-1.35%0.28%-1.67%1.51%-1.07%-4.10%-11.66%-1,000 bps
Net Interest Margin3.30%2.95%2.88%2.78%2.87%2.78%2.58%2.48%-30 bps
Efficiency Ratio96.26%103.34%99.30%104.21%101.89%102.95%111.42%131.49%+2,728 bps
Growth
Asset Growth (YoY)-2.90%-10.10%-1.39%5.89%0.35%-5.34%-1.38%-3.78%-967 bps
Loan Growth (YoY)-4.37%-8.79%-8.39%-10.13%-10.37%-10.90%-18.66%-20.71%-1,058 bps
Share Growth (YoY)-2.65%-10.49%-1.16%6.80%0.25%-6.08%-1.51%-3.45%-1,026 bps
Asset Quality
Delinquent Loans / Loans0.13%0.13%0.21%1.21%0.00%0.00%0.00%0.44%-76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.98%1.03%1.05%1.10%0.37%0.39%0.43%0.47%-64 bps
Capital
Risk-Based Capital8.92%8.62%8.61%8.34%9.02%9.25%8.68%8.19%-15 bps
Net Worth / Assets8.92%8.62%8.61%8.34%9.02%9.25%8.68%8.19%-15 bps
Liquidity & Funding
Loans / Shares55.84%51.41%50.66%47.27%49.93%48.78%41.84%38.83%-845 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps