Wheat Ridge, CO · Charter 21434
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.17% | 0.14% | 0.11% | -0.06% | -23 bps | |
| Return on Equity | 2.02% | 1.99% | 1.73% | 1.39% | -0.82% | -284 bps | |
| Net Interest Margin | 3.66% | 3.69% | 3.76% | 3.65% | 3.73% | +6 bps | |
| Efficiency Ratio | 94.42% | 94.75% | 94.12% | 90.25% | 94.18% | -24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 32.63% | 34.70% | 13.55% | 16.87% | 13.65% | -1,898 bps | |
| Loan Growth (YoY) | 15.25% | 15.37% | 25.43% | 13.02% | 30.73% | +1,548 bps | |
| Share Growth (YoY) | 41.69% | 42.88% | 14.21% | 17.87% | 15.24% | -2,645 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.15% | 0.27% | 0.51% | 0.35% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.32% | 0.33% | 0.29% | 0.32% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.44% | 8.41% | 8.37% | 7.65% | 7.45% | -99 bps | |
| Net Worth / Assets | 8.44% | 8.41% | 8.37% | 7.65% | 7.45% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.06% | 79.25% | 82.27% | 73.67% | 88.55% | +1,049 bps | |
| Liquid Assets / Assets | 23.65% | 20.61% | 9.36% | 21.26% | 12.66% | -1,100 bps | |