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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

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.

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.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023YoY ΔTrend
Earnings
Return on Assets0.31%0.39%0.29%0.18%-0.31%-0.29%-0.25%-0.24%-42 bps
Return on Equity3.56%4.28%3.25%2.21%-3.96%-3.62%-3.16%-2.84%-505 bps
Net Interest Margin3.60%3.83%3.79%3.64%3.51%3.59%3.54%3.74%+10 bps
Efficiency Ratio88.86%87.92%86.93%87.90%96.94%95.30%94.18%92.56%+466 bps
Growth
Asset Growth (YoY)6.63%2.54%5.26%9.26%10.64%11.14%7.03%-4.84%-1,410 bps
Loan Growth (YoY)3.23%9.25%21.13%28.35%25.55%16.09%1.19%-9.54%-3,789 bps
Share Growth (YoY)6.97%2.25%2.28%5.26%7.62%8.27%6.74%-5.18%-1,044 bps
Asset Quality
Delinquent Loans / Loans0.32%0.38%0.34%0.47%0.56%0.53%0.64%0.90%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.43%0.38%0.37%0.36%0.00%0.00%0.00%0.00%-36 bps
Capital
Risk-Based Capital8.77%9.17%8.79%8.26%7.96%8.11%8.00%8.43%+17 bps
Net Worth / Assets8.77%9.17%8.79%8.26%7.96%8.11%8.00%8.43%+17 bps
Liquidity & Funding
Loans / Shares84.13%93.06%101.93%103.09%98.15%99.78%96.63%98.36%-474 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%99.60%0.00%0 bps