Denver, CO · Charter 24419
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Denver, CO · Charter 24419
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | -0.17% | 1.18% | 1.23% | 1.00% | +126 bps | |
| Return on Equity | -2.22% | -1.52% | 10.08% | 9.95% | 8.03% | +1,025 bps | |
| Net Interest Margin | 2.93% | 3.05% | 3.07% | 3.20% | 3.23% | +29 bps | |
| Efficiency Ratio | 81.54% | 82.22% | 67.33% | 69.46% | 75.30% | -624 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.00% | -2.07% | 1.16% | -1.64% | -0.30% | -230 bps | |
| Loan Growth (YoY) | -4.23% | -6.58% | -12.13% | -10.71% | -9.68% | -545 bps | |
| Share Growth (YoY) | 3.62% | -0.61% | 2.52% | -2.16% | -1.61% | -523 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 0.97% | 0.47% | 0.44% | 0.48% | -83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.27% | 1.35% | 1.28% | 1.24% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.46% | 11.39% | 11.75% | 12.41% | 12.48% | +101 bps | |
| Net Worth / Assets | 11.46% | 11.39% | 11.75% | 12.41% | 12.48% | +101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.72% | 74.24% | 69.02% | 71.67% | 71.34% | -638 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |