PackageTrendsPeer
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Pikes Peak

Colorado Spring, CO · Charter 21487

Q4 1996

$22.3MAssets
$17.7MLoans
$20.7MShares
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 4.12%, up 116 bps year over year.
  • Asset quality: problem loans at 1.66% of loans (+137 bps YoY).
  • Funding: loans stand at 85.51% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

4.12%+116 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.97%3.66%3.65%4.06%4.12%+116 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/a40.09%37.96%n/a
Loan Growth (YoY)n/an/an/a59.23%33.94%n/a
Share Growth (YoY)n/an/an/a42.62%37.94%n/a
Asset Quality
Delinquent Loans / Loans0.29%0.73%1.35%2.21%1.66%+137 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.55%0.52%0.54%0.46%0.59%+4 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 / Shares88.06%87.28%86.37%82.52%85.51%-255 bps
Liquid Assets / Assets6.79%8.48%10.61%11.32%6.96%+17 bps