Denver, CO · Charter 6331
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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 6331
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | 0.02% | 0.84% | 0.82% | 0.79% | +85 bps | |
| Return on Equity | -0.80% | 0.30% | 10.71% | 9.62% | 9.17% | +997 bps | |
| Net Interest Margin | 2.43% | 2.59% | 3.35% | 3.63% | 3.64% | +122 bps | |
| Efficiency Ratio | 96.46% | 95.38% | 82.00% | 81.09% | 82.10% | -1,436 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.24% | 3.06% | -0.28% | -9.69% | -13.24% | -2,448 bps | |
| Loan Growth (YoY) | 1.37% | 2.91% | 6.95% | 4.76% | 0.18% | -118 bps | |
| Share Growth (YoY) | 12.29% | 3.14% | -0.52% | -11.26% | -14.57% | -2,687 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.25% | 0.23% | 0.18% | 0.40% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.10% | 0.10% | 0.25% | 0.30% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.91% | 7.12% | 7.80% | 8.51% | 8.63% | +172 bps | |
| Net Worth / Assets | 6.91% | 7.12% | 7.80% | 8.51% | 8.63% | +172 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.01% | 45.79% | 50.48% | 53.87% | 52.79% | +778 bps | |
| Liquid Assets / Assets | 53.03% | 52.84% | 47.42% | 43.79% | 45.25% | -778 bps | |