Denver, CO · Charter 19876
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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.
Denver, CO · Charter 19876
Q2 1996
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.14% | 4.10% | 3.70% | 3.78% | 3.50% | -64 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -12.65% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -39.40% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -13.65% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.59% | 1.45% | 0.81% | 0.00% | 0.00% | -959 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.89% | 3.73% | 3.93% | 4.85% | 6.41% | +253 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.36% | 76.27% | 76.44% | 60.94% | 51.49% | -2,187 bps | |
| Liquid Assets / Assets | 31.00% | 8.98% | 1.24% | 18.24% | 22.85% | -815 bps | |