Pueblo, CO · Charter 5750
Q2 2006
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | -0.22% | 0.00% | -0.34% | -0.54% | -23 bps | |
| Return on Equity | -2.27% | -1.59% | 0.01% | -2.44% | -3.79% | -152 bps | |
| Net Interest Margin | 3.10% | 3.22% | 3.25% | 2.85% | 2.95% | -15 bps | |
| Efficiency Ratio | 106.41% | 101.91% | 95.26% | 110.73% | 116.35% | +994 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.49% | -1.06% | -3.79% | -2.86% | -5.65% | -714 bps | |
| Loan Growth (YoY) | -7.82% | -3.44% | -4.81% | -4.43% | 0.46% | +828 bps | |
| Share Growth (YoY) | 1.72% | -1.22% | -4.32% | -3.06% | -6.10% | -782 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 1.32% | 1.00% | 1.49% | 1.78% | +45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.74% | 0.75% | 0.55% | 0.53% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.55% | 13.92% | 14.43% | 14.14% | 14.25% | +71 bps | |
| Net Worth / Assets | 13.55% | 13.92% | 14.43% | 14.14% | 14.25% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.44% | 41.28% | 41.06% | 40.67% | 42.20% | +275 bps | |
| Liquid Assets / Assets | 19.13% | 28.36% | 32.63% | 40.11% | 0.00% | -1,913 bps | |