Englewood, CO · Charter 24406
Q1 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2000, the quarter ended March 31, 2000, 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.
Englewood, CO · Charter 24406
Q1 2000
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 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.71% | 4.85% | 1.57% | 1.67% | 1.79% | -291 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.04% | 4.09% | 4.10% | n/a | |
| Efficiency Ratio | n/a | n/a | 56.31% | 55.15% | 54.84% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 11.29% | 9.96% | 13.26% | 6.88% | 8.01% | -328 bps | |
| Loan Growth (YoY) | 3.52% | 8.11% | 16.50% | 21.22% | 23.23% | +1,971 bps | |
| Share Growth (YoY) | 11.11% | 9.73% | 8.96% | 5.58% | 7.03% | -408 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.33% | 0.34% | 0.37% | 0.32% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.21% | 1.09% | 1.06% | 1.05% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.80% | 87.20% | 94.76% | 94.39% | 93.02% | +1,222 bps | |
| Liquid Assets / Assets | 14.01% | 7.59% | 4.37% | 1.00% | 1.43% | -1,258 bps | |