Colorado Sprg, CO · Charter 62755
NCUA · 6 branches
Q4 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.39% | 0.29% | 0.18% | -0.31% | -0.29% | -0.25% | -0.24% | -42 bps | |
| Return on Equity | 3.56% | 4.28% | 3.25% | 2.21% | -3.96% | -3.62% | -3.16% | -2.84% | -505 bps | |
| Net Interest Margin | 3.60% | 3.83% | 3.79% | 3.64% | 3.51% | 3.59% | 3.54% | 3.74% | +10 bps | |
| Efficiency Ratio | 88.86% | 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 / Loans | 0.32% | 0.38% | 0.34% | 0.47% | 0.56% | 0.53% | 0.64% | 0.90% | +43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.38% | 0.37% | 0.36% | 0.00% | 0.00% | 0.00% | 0.00% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.77% | 9.17% | 8.79% | 8.26% | 7.96% | 8.11% | 8.00% | 8.43% | +17 bps | |
| Net Worth / Assets | 8.77% | 9.17% | 8.79% | 8.26% | 7.96% | 8.11% | 8.00% | 8.43% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.13% | 93.06% | 101.93% | 103.09% | 98.15% | 99.78% | 96.63% | 98.36% | -474 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.60% | 0.00% | 0 bps | |