Arvada, CO · Charter 64302
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | -0.70% | -0.31% | -0.42% | -0.41% | -1 bps | |
| Return on Equity | -2.89% | -5.18% | -2.27% | -3.02% | -2.88% | +1 bps | |
| Net Interest Margin | 3.89% | 3.90% | 3.85% | 3.87% | 3.60% | -29 bps | |
| Efficiency Ratio | 99.78% | 94.50% | 92.54% | 94.51% | 97.76% | -203 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.32% | 4.72% | 3.15% | 3.21% | -5.60% | -992 bps | |
| Loan Growth (YoY) | 13.34% | 12.01% | 6.53% | 4.20% | -5.16% | -1,850 bps | |
| Share Growth (YoY) | -2.29% | -5.31% | -2.56% | -3.53% | -4.28% | -198 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.89% | 1.42% | 1.72% | 1.54% | 1.32% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.73% | 0.71% | 0.68% | 0.72% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.92% | 13.56% | 13.64% | 13.81% | 14.32% | +39 bps | |
| Net Worth / Assets | 13.92% | 13.56% | 13.64% | 13.81% | 14.32% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.89% | 110.09% | 108.21% | 108.40% | 103.92% | -97 bps | |
| Liquid Assets / Assets | 4.98% | 5.23% | 5.87% | 7.86% | 7.85% | +287 bps | |