PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Denver Stake

Denver, CO · Charter 19876

Q2 1996

$204KAssets
$94KLoans
$182KShares
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 3.50%, down 64 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-959 bps YoY).
  • Funding: loans stand at 51.49% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

3.50%-64 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.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.14%4.10%3.70%3.78%3.50%-64 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/an/an/an/a-12.65%n/an/a
Loan Growth (YoY)n/an/an/an/a-39.40%n/an/a
Share Growth (YoY)n/an/an/an/a-13.65%n/an/a
Asset Quality
Delinquent Loans / Loans9.59%1.45%0.81%0.00%0.00%-959 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.89%3.73%3.93%4.85%6.41%+253 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 / Shares73.36%76.27%76.44%60.94%51.49%-2,187 bps
Liquid Assets / Assets31.00%8.98%1.24%18.24%22.85%-815 bps