PackageTrendsPeer
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Colfax School Employees

Raton, NM · Charter 62569

NCUA · 1 branch

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Colfax School Employees

Raton, NM · Charter 62569

NCUA · 1 branch

Q2 2017

$285KAssets
$270KLoans
$235KShares
$50KNet 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 -0.29%, up 67 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.90% of loans (+53 bps YoY).
  • Capital: net worth / assets of 17.40%, up 61 bps from a year ago.
  • Funding: loans stand at 114.67% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.29%+67 bps YoY

Net Interest Margin (YTD, annualized)

4.87%+70 bps YoY

Efficiency Ratio (YTD, annualized)

105.40%-1,626 bps YoY

Net Worth / Assets

17.40%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-0.96%-1.10%-0.98%-1.15%-0.29%+67 bps
Return on Equity-5.70%-6.62%-5.70%-6.95%-1.64%+406 bps
Net Interest Margin4.17%4.00%4.25%4.79%4.87%+70 bps
Efficiency Ratio121.66%125.31%121.12%122.60%105.40%-1,626 bps
Growth
Asset Growth (YoY)1.37%-0.85%-8.56%-0.59%-6.90%-828 bps
Loan Growth (YoY)-39.63%-28.48%-4.83%19.97%50.13%+8,976 bps
Share Growth (YoY)2.43%-0.10%-9.12%0.60%-7.59%-1,001 bps
Asset Quality
Delinquent Loans / Loans0.37%0.51%0.27%0.96%0.90%+53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans15.13%12.82%10.67%11.56%10.08%-505 bps
Capital
Risk-Based Capital16.79%16.59%17.22%16.53%17.40%+61 bps
Net Worth / Assets16.79%16.59%17.22%16.53%17.40%+61 bps
Liquidity & Funding
Loans / Shares70.59%84.04%106.11%94.83%114.67%+4,409 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps