Denver, CO · Charter 62606
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Denver, CO · Charter 62606
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.73% | -0.70% | -1.69% | -6.80% | -4.99% | -426 bps | |
| Return on Equity | -9.94% | -9.44% | -25.89% | -137.47% | -176.34% | -16,641 bps | |
| Net Interest Margin | 4.97% | 5.13% | 5.25% | 4.55% | 2.99% | -198 bps | |
| Efficiency Ratio | 62.72% | 61.86% | 62.41% | 80.02% | 86.69% | +2,397 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.63% | -2.27% | -5.70% | -9.03% | -13.88% | -1,325 bps | |
| Loan Growth (YoY) | -7.66% | -7.92% | -9.74% | -11.34% | -17.46% | -980 bps | |
| Share Growth (YoY) | -0.53% | -1.92% | -4.43% | -6.85% | -10.26% | -973 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.39% | 3.36% | 3.09% | 9.35% | 4.69% | +130 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.92% | 1.91% | 2.44% | 3.89% | 4.92% | +300 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.39% | 7.44% | 6.51% | 4.95% | 2.83% | -456 bps | |
| Net Worth / Assets | 7.39% | 7.44% | 6.51% | 4.95% | 2.83% | -456 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.75% | 96.36% | 92.94% | 86.43% | 85.31% | -744 bps | |
| Liquid Assets / Assets | 13.68% | 8.04% | 10.40% | 17.13% | 18.51% | +484 bps | |