Pueblo, CO · Charter 2449
NCUA · 1 branch
Q4 2019
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.70% | 4.41% | 4.33% | 4.53% | 4.55% | +85 bps | |
| Efficiency Ratio | 100.53% | 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 / Loans | 1.40% | 1.26% | 4.05% | 3.95% | 2.16% | +76 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.91% | 1.95% | 2.18% | 2.30% | 2.71% | +80 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.41% | 11.29% | 11.43% | 11.37% | 12.21% | +80 bps | |
| Net Worth / Assets | 11.41% | 11.29% | 11.43% | 11.37% | 12.21% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.79% | 67.96% | 67.45% | 64.55% | 60.48% | -830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |