PackageTrendsPeer
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Colorado State Employees

Denver, CO · Charter 64588

Q3 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2013, the quarter ended September 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Colorado State Employees

Denver, CO · Charter 64588

Q3 2013

$1.1BAssets
$591.4MLoans
$969.7MShares
$126.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.38%, down 22 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 0.33% of loans (-17 bps YoY).
  • Capital: net worth / assets of 11.36%, down 9 bps from a year ago.
  • Funding: loans stand at 60.99% of shares as of Q3 2013.

Return on Assets (YTD, annualized)

0.38%-22 bps YoY

Net Interest Margin (YTD, annualized)

2.41%-18 bps YoY

Efficiency Ratio (YTD, annualized)

84.69%+286 bps YoY

Net Worth / Assets

11.36%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.82%0.55%0.52%0.60%0.69%0.39%0.37%0.38%-22 bps
Return on Equity7.03%4.82%4.45%5.25%6.03%3.45%3.22%3.36%-189 bps
Net Interest Margin2.89%2.69%2.70%2.60%2.55%2.43%2.47%2.41%-18 bps
Efficiency Ratio77.47%85.94%85.90%81.84%79.85%87.80%86.94%84.69%+286 bps
Growth
Asset Growth (YoY)5.07%7.12%8.69%8.97%8.77%7.56%7.03%5.70%-327 bps
Loan Growth (YoY)1.63%1.92%3.28%4.98%4.50%5.30%6.39%7.64%+266 bps
Share Growth (YoY)4.79%6.78%8.76%8.85%8.74%7.81%7.44%5.95%-290 bps
Asset Quality
Delinquent Loans / Loans0.61%0.58%0.37%0.50%0.44%0.19%0.23%0.33%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.04%0.91%0.83%0.85%0.78%0.70%0.66%0.68%-17 bps
Capital
Risk-Based Capital11.73%11.43%11.73%11.45%11.47%11.27%11.59%11.36%-9 bps
Net Worth / Assets11.73%11.43%11.73%11.45%11.47%11.27%11.59%11.36%-9 bps
Liquidity & Funding
Loans / Shares62.34%58.99%61.52%60.03%59.91%57.62%60.92%60.99%+96 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps