Littleton, CO · Charter 4363
NCUA · 1 branch
Q2 2022
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.74% | -2.80% | -3.63% | -3.83% | -3.65% | -3.75% | -2.95% | -7.33% | -350 bps | |
| Return on Equity | -14.07% | -15.39% | -20.86% | -23.69% | -22.24% | -24.10% | -19.96% | -55.87% | -3,219 bps | |
| Net Interest Margin | 2.42% | 2.32% | 1.60% | 1.52% | 1.79% | 1.73% | 1.49% | 1.67% | +15 bps | |
| Efficiency Ratio | 189.35% | 197.17% | 283% | 301% | 266% | 275% | 238% | 422% | +12,135 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.40% | 7.96% | 1.52% | -2.00% | -2.52% | -5.91% | -4.90% | -13.81% | -1,181 bps | |
| Loan Growth (YoY) | -15.72% | -14.21% | -28.47% | -28.48% | -26.73% | -22.66% | -9.48% | 2.83% | +3,131 bps | |
| Share Growth (YoY) | 13.61% | 14.10% | 5.48% | 1.48% | 1.12% | -3.01% | -2.34% | -10.58% | -1,207 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.42% | 3.57% | 4.47% | 5.14% | 5.20% | 5.12% | 5.46% | 5.49% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.46% | 18.17% | 17.38% | 16.16% | 16.39% | 15.56% | 14.76% | 13.12% | -304 bps | |
| Net Worth / Assets | 19.46% | 18.17% | 17.38% | 16.16% | 16.39% | 15.56% | 14.76% | 13.12% | -304 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.30% | 36.20% | 29.66% | 25.57% | 27.75% | 28.87% | 27.49% | 29.41% | +384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |