Boulder, CO · Charter 63418
NCUA · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, 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.
Boulder, CO · Charter 63418
NCUA · 1 branch
Q3 2021
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -1.57% | -1.58% | -0.08% | -0.24% | 0.87% | -0.52% | -0.38% | -30 bps | |
| Return on Equity | -4.32% | -19.98% | -20.17% | -0.94% | -2.99% | 9.91% | -6.08% | -4.07% | -313 bps | |
| Net Interest Margin | 5.63% | 5.41% | 5.41% | 5.12% | 4.99% | 4.75% | 5.18% | 5.77% | +65 bps | |
| Efficiency Ratio | 90.18% | 92.43% | 92.53% | 90.02% | 95.23% | 85.25% | 108.22% | 105.46% | +1,544 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.13% | -12.19% | -10.05% | -6.85% | -1.03% | -7.10% | -8.93% | -16.38% | -953 bps | |
| Loan Growth (YoY) | -12.50% | -14.43% | -9.88% | -21.46% | -19.24% | -5.15% | -8.48% | 1.18% | +2,264 bps | |
| Share Growth (YoY) | -13.80% | -12.07% | -9.56% | -7.38% | -0.99% | -8.19% | -9.82% | -17.53% | -1,015 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.54% | 1.57% | 1.57% | 7.36% | 0.00% | 0.02% | 0.00% | 0.05% | -731 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 | 2.30% | 1.64% | 1.64% | 2.01% | 2.01% | 1.73% | 1.77% | 1.95% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.30% | 7.85% | 7.85% | 8.13% | 8.14% | 8.83% | 8.53% | 9.23% | +110 bps | |
| Net Worth / Assets | 8.30% | 7.85% | 7.85% | 8.13% | 8.14% | 8.83% | 8.53% | 9.23% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.89% | 100.45% | 100.45% | 82.02% | 83.93% | 103.78% | 101.94% | 100.63% | +1,861 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |