Windsor, CO · Charter 63888
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.
Windsor, CO · Charter 63888
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 | 0.67% | 0.65% | 0.18% | 0.27% | 0.33% | -34 bps | |
| Return on Equity | 4.92% | 4.65% | 1.22% | 1.69% | 1.86% | -306 bps | |
| Net Interest Margin | 3.56% | 3.61% | 3.22% | 3.54% | 3.87% | +31 bps | |
| Efficiency Ratio | 65.03% | 65.69% | 76.13% | 75.61% | 74.87% | +983 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.43% | -5.21% | -9.37% | -15.27% | -20.95% | -1,553 bps | |
| Loan Growth (YoY) | -4.41% | -4.24% | -1.41% | -1.44% | -3.75% | +66 bps | |
| Share Growth (YoY) | -6.92% | -8.86% | -11.40% | -18.15% | -24.69% | -1,778 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 0.50% | 0.55% | 0.75% | 0.75% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.50% | 0.51% | 0.55% | 0.51% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.59% | 14.07% | 14.82% | 16.03% | 17.61% | +402 bps | |
| Net Worth / Assets | 13.59% | 14.07% | 14.82% | 16.03% | 17.61% | +402 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.46% | 73.78% | 76.42% | 81.57% | 91.33% | +1,987 bps | |
| Liquid Assets / Assets | 16.98% | 20.28% | 18.43% | 18.20% | 12.82% | -416 bps | |