PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

H P Colorado

Colorado Spring, CO · Charter 22290

Q2 1998

$49.1MAssets
$27.8MLoans
$43.5MShares
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 4.51%, down 22 bps year over year.
  • Asset quality: problem loans at 1.42% of loans (+49 bps YoY).
  • Funding: loans stand at 63.86% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

4.51%-22 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 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.73%4.58%4.33%4.31%4.51%-22 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)14.36%11.71%11.11%13.76%14.94%+58 bps
Loan Growth (YoY)36.08%33.36%39.91%31.21%16.90%-1,918 bps
Share Growth (YoY)14.26%11.15%10.24%12.69%13.33%-93 bps
Asset Quality
Delinquent Loans / Loans0.93%1.17%1.12%1.07%1.42%+49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.75%0.86%0.95%0.82%0.80%+5 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 / Shares61.91%69.70%73.14%69.19%63.86%+195 bps
Liquid Assets / Assets26.61%19.22%24.75%23.20%18.81%-779 bps