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Colorado Springs

Colorado Sprg, CO · Charter 62755

NCUA · 6 branches

Q4 2023

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: Q4 2023, the quarter ended December 31, 2023, 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

Colorado Springs

Colorado Sprg, CO · Charter 62755

NCUA · 6 branches

Q4 2023

$274.7MAssets
$233.6MLoans
$237.5MShares
$23.2MNet 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 -0.24%, down 42 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.90% of loans (+43 bps YoY).
  • Capital: net worth / assets of 8.43%, up 17 bps from a year ago.
  • Funding: loans stand at 98.36% of shares as of Q4 2023.

Financial Results

Return on Assets (YTD, annualized)

-0.24%-42 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+10 bps YoY

Efficiency Ratio (YTD, annualized)

92.56%+466 bps YoY

Net Worth / Assets

8.43%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023YoY ΔTrend
Earnings
Return on Assets0.18%-0.31%-0.29%-0.25%-0.24%-42 bps
Return on Equity2.21%-3.96%-3.62%-3.16%-2.84%-505 bps
Net Interest Margin3.64%3.51%3.59%3.54%3.74%+10 bps
Efficiency Ratio87.90%96.94%95.30%94.18%92.56%+466 bps
Growth
Asset Growth (YoY)9.26%10.64%11.14%7.03%-4.84%-1,410 bps
Loan Growth (YoY)28.35%25.55%16.09%1.19%-9.54%-3,789 bps
Share Growth (YoY)5.26%7.62%8.27%6.74%-5.18%-1,044 bps
Asset Quality
Delinquent Loans / Loans0.47%0.56%0.53%0.64%0.90%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.36%0.00%0.00%0.00%0.00%-36 bps
Capital
Risk-Based Capital8.26%7.96%8.11%8.00%8.43%+17 bps
Net Worth / Assets8.26%7.96%8.11%8.00%8.43%+17 bps
Liquidity & Funding
Loans / Shares103.09%98.15%99.78%96.63%98.36%-474 bps
Liquid Assets / Assets0.00%0.00%0.00%99.60%0.00%0 bps