Denver, CO · Charter 63498
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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 63498
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | -0.92% | -7.33% | -5.53% | -4.74% | -430 bps | |
| Return on Equity | -1.88% | -3.91% | -33.34% | -25.86% | -21.91% | -2,003 bps | |
| Net Interest Margin | 3.32% | 3.41% | 4.16% | 3.59% | 3.71% | +38 bps | |
| Efficiency Ratio | 106.83% | 107.49% | 126.46% | 156.30% | 144.33% | +3,749 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.89% | -7.56% | -12.67% | -10.81% | -8.83% | -395 bps | |
| Loan Growth (YoY) | 0.79% | 6.62% | 5.71% | -6.03% | -10.45% | -1,124 bps | |
| Share Growth (YoY) | -5.89% | -9.00% | -13.21% | -6.04% | -7.63% | -174 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.64% | 6.51% | 5.41% | 5.27% | 5.34% | -29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 1.41% | 2.41% | 2.10% | 2.34% | +159 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.55% | 23.55% | 22.00% | 21.37% | 21.65% | -190 bps | |
| Net Worth / Assets | 23.55% | 23.55% | 22.00% | 21.37% | 21.65% | -190 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.64% | 67.39% | 64.20% | 60.69% | 62.66% | -197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |