Denver, CO · Charter 5865
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.87% | 5.88% | 5.59% | 6.39% | -18.04% | -2,390 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.35% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 56.45% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 50.49% | 84.00% | 103.35% | 116.40% | 47.52% | -297 bps | |
| Loan Growth (YoY) | 39.96% | 56.29% | 76.03% | 73.10% | 50.56% | +1,061 bps | |
| Share Growth (YoY) | 66.66% | 101.84% | 109.67% | 129.19% | 82.18% | +1,551 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.14% | 3.23% | 0.82% | 1.73% | 13.70% | +956 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 0.86% | 0.72% | 1.01% | 22.77% | +2,154 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.04% | 86.10% | 84.23% | 78.32% | 78.55% | -1,649 bps | |
| Liquid Assets / Assets | 16.28% | 14.36% | 20.17% | 21.77% | 24.58% | +830 bps | |