Denver, CO · Charter 64588
Q3 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.69% | 0.39% | 0.37% | 0.38% | -22 bps | |
| Return on Equity | 5.25% | 6.03% | 3.45% | 3.22% | 3.36% | -189 bps | |
| Net Interest Margin | 2.60% | 2.55% | 2.43% | 2.47% | 2.41% | -18 bps | |
| Efficiency Ratio | 81.84% | 79.85% | 87.80% | 86.94% | 84.69% | +286 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.97% | 8.77% | 7.56% | 7.03% | 5.70% | -327 bps | |
| Loan Growth (YoY) | 4.98% | 4.50% | 5.30% | 6.39% | 7.64% | +266 bps | |
| Share Growth (YoY) | 8.85% | 8.74% | 7.81% | 7.44% | 5.95% | -290 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.44% | 0.19% | 0.23% | 0.33% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.78% | 0.70% | 0.66% | 0.68% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.45% | 11.47% | 11.27% | 11.59% | 11.36% | -9 bps | |
| Net Worth / Assets | 11.45% | 11.47% | 11.27% | 11.59% | 11.36% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.03% | 59.91% | 57.62% | 60.92% | 60.99% | +96 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |