PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

F C I

Littleton, CO · Charter 4363

NCUA · 1 branch

Q2 2022

$3.6MAssets
$916KLoans
$3.1MShares
$471KNet 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 -7.33%, down 350 bps year over year; NIM at 1.67%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.12%, down 304 bps from a year ago.
  • Funding: loans stand at 29.41% of shares as of Q2 2022.

Financial Results

Return on Assets (quarter, annualized)

-7.33%-350 bps YoY

Net Interest Margin (quarter, annualized)

1.67%+15 bps YoY

Efficiency Ratio (quarter, annualized)

422%+12,135 bps YoY

Net Worth / Assets

13.12%-304 bps YoY

Discrete quarter, annualized.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets-3.83%-3.65%-3.75%-2.95%-7.33%-350 bps
Return on Equity-23.69%-22.24%-24.10%-19.96%-55.87%-3,219 bps
Net Interest Margin1.52%1.79%1.73%1.49%1.67%+15 bps
Efficiency Ratio301%266%275%238%422%+12,135 bps
Growth
Asset Growth (YoY)-2.00%-2.52%-5.91%-4.90%-13.81%-1,181 bps
Loan Growth (YoY)-28.48%-26.73%-22.66%-9.48%2.83%+3,131 bps
Share Growth (YoY)1.48%1.12%-3.01%-2.34%-10.58%-1,207 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.14%5.20%5.12%5.46%5.49%+35 bps
Capital
Risk-Based Capital16.16%16.39%15.56%14.76%13.12%-304 bps
Net Worth / Assets16.16%16.39%15.56%14.76%13.12%-304 bps
Liquidity & Funding
Loans / Shares25.57%27.75%28.87%27.49%29.41%+384 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps