Grand Junction, CO · Charter 6264
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Grand Junction, CO · Charter 6264
Q4 2001
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.82% | 1.07% | 0.83% | 0.32% | -4 bps | |
| Return on Equity | n/a | n/a | 5.72% | 4.33% | 1.78% | n/a | |
| Net Interest Margin | 4.00% | 4.40% | 4.66% | 4.57% | 3.85% | -15 bps | |
| Efficiency Ratio | 87.07% | 81.72% | 76.55% | 79.29% | 90.30% | +323 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.38% | -0.64% | -3.79% | -8.97% | 6.24% | +962 bps | |
| Loan Growth (YoY) | -6.39% | 3.13% | 7.62% | 16.40% | 27.59% | +3,398 bps | |
| Share Growth (YoY) | -5.02% | -2.01% | -6.03% | -12.54% | 6.55% | +1,157 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.21% | 0.92% | 0.00% | 1.07% | +46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 0.57% | 0.63% | 0.65% | 0.60% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 18.62% | 19.21% | 17.90% | n/a | |
| Net Worth / Assets | n/a | n/a | 18.62% | 19.21% | 17.90% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.47% | 56.90% | 64.43% | 66.28% | 65.23% | +1,076 bps | |
| Liquid Assets / Assets | 52.05% | 49.98% | 45.76% | 44.64% | 45.07% | -699 bps | |