Thornton, CO · Charter 62478
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -2.55% | -2.86% | -2.00% | -2.04% | -190 bps | |
| Return on Equity | -1.27% | -27.76% | -29.56% | -21.24% | -21.48% | -2,021 bps | |
| Net Interest Margin | 4.66% | 4.48% | 4.88% | 4.18% | 4.21% | -45 bps | |
| Efficiency Ratio | 118.09% | 120.17% | 117.16% | 146.22% | 162.85% | +4,477 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.38% | -2.63% | -12.48% | -11.26% | -17.83% | -1,045 bps | |
| Loan Growth (YoY) | -17.82% | -16.11% | -26.64% | -32.85% | -31.60% | -1,379 bps | |
| Share Growth (YoY) | -8.43% | -1.01% | -11.13% | -9.35% | -16.12% | -770 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.06% | 0.70% | 2.82% | 2.93% | 0.38% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 2.48% | 3.78% | 4.24% | 3.47% | +202 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.13% | 9.19% | 9.68% | 9.41% | 9.50% | -163 bps | |
| Net Worth / Assets | 11.13% | 9.19% | 9.68% | 9.41% | 9.50% | -163 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.51% | 63.35% | 60.02% | 52.57% | 53.42% | -1,209 bps | |
| Liquid Assets / Assets | 37.94% | 39.07% | 41.71% | 48.29% | 47.80% | +986 bps | |