Highlands Ranch, CO · Charter 23552
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Highlands Ranch, CO · Charter 23552
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.61% | 0.73% | 0.31% | 0.46% | -10 bps | |
| Return on Equity | 6.52% | 7.43% | 8.69% | 3.72% | 5.26% | -126 bps | |
| Net Interest Margin | 4.02% | 3.81% | 3.77% | 3.83% | 4.02% | 0 bps | |
| Efficiency Ratio | 85.44% | 83.13% | 80.86% | 91.06% | 89.15% | +371 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.23% | 15.49% | 11.89% | 14.41% | 7.61% | -63 bps | |
| Loan Growth (YoY) | 10.60% | 11.02% | 10.38% | 7.56% | 5.28% | -532 bps | |
| Share Growth (YoY) | 3.34% | 14.77% | 16.46% | 19.43% | 16.65% | +1,330 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.41% | 0.42% | 0.13% | 0.11% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.29% | 0.36% | 0.26% | 0.24% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.54% | 8.25% | 8.41% | 8.36% | 8.69% | +15 bps | |
| Net Worth / Assets | 8.54% | 8.25% | 8.41% | 8.36% | 8.69% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.91% | 101.98% | 96.00% | 92.68% | 98.30% | -1,061 bps | |
| Liquid Assets / Assets | 0.77% | 4.77% | 8.60% | 10.90% | 0.00% | -77 bps | |