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State Hospital

Pueblo, CO · Charter 2449

NCUA · 1 branch

Q4 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

State Hospital

Pueblo, CO · Charter 2449

NCUA · 1 branch

Q4 2019

$25.4MAssets
$13.6MLoans
$22.4MShares
$3.1MNet 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 -1.40%, down 5 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 2.16% of loans (+76 bps YoY).
  • Capital: net worth / assets of 12.21%, up 80 bps from a year ago.
  • Funding: loans stand at 60.48% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-1.40%-5 bps YoY

Net Interest Margin (YTD, annualized)

4.55%+85 bps YoY

Efficiency Ratio (YTD, annualized)

95.19%-534 bps YoY

Net Worth / Assets

12.21%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets-1.35%-0.22%-0.24%-0.75%-1.40%-5 bps
Return on Equity-11.86%-1.98%-2.13%-6.62%-11.49%+37 bps
Net Interest Margin3.70%4.41%4.33%4.53%4.55%+85 bps
Efficiency Ratio100.53%92.75%84.33%91.84%95.19%-534 bps
Growth
Asset Growth (YoY)-6.20%-6.38%-5.58%-6.63%-6.55%-35 bps
Loan Growth (YoY)38.02%38.95%21.24%-4.35%-17.69%-5,572 bps
Share Growth (YoY)-5.06%-6.38%-5.53%-6.41%-6.39%-134 bps
Asset Quality
Delinquent Loans / Loans1.40%1.26%4.05%3.95%2.16%+76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.91%1.95%2.18%2.30%2.71%+80 bps
Capital
Risk-Based Capital11.41%11.29%11.43%11.37%12.21%+80 bps
Net Worth / Assets11.41%11.29%11.43%11.37%12.21%+80 bps
Liquidity & Funding
Loans / Shares68.79%67.96%67.45%64.55%60.48%-830 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps