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Wedenem

Denver, CO · Charter 64871

Q1 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: Q1 2013, the quarter ended March 31, 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

Wedenem

Denver, CO · Charter 64871

Q1 2013

$763KAssets
$695KLoans
$626KShares
$125KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -150.99%, down 14,628 bps year over year; NIM at 5.89%.
  • Asset quality: problem loans at 0.14% of loans (-370 bps YoY).
  • Capital: net worth / assets of 16.37%, down 1,629 bps from a year ago.
  • Funding: loans stand at 110.92% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-150.99%-14,628 bps YoY

Net Interest Margin (YTD, annualized)

5.89%+116 bps YoY

Efficiency Ratio (YTD, annualized)

701%+56,022 bps YoY

Net Worth / Assets

16.37%-1,629 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-4.71%-5.17%-5.57%-5.55%-150.99%-14,628 bps
Return on Equity-14.41%-14.39%-15.82%-15.13%-922%-90,776 bps
Net Interest Margin4.73%5.47%5.60%5.97%5.89%+116 bps
Efficiency Ratio140.92%146.68%141.14%148.07%701%+56,022 bps
Growth
Asset Growth (YoY)-14.17%-21.04%-18.05%-21.31%-45.69%-3,152 bps
Loan Growth (YoY)-16.30%-14.67%-7.61%-13.97%-23.05%-675 bps
Share Growth (YoY)-17.24%-26.53%-22.26%-26.33%-33.52%-1,629 bps
Asset Quality
Delinquent Loans / Loans3.84%0.00%1.59%0.78%0.14%-370 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.11%1.88%3.35%3.56%31.51%+3,040 bps
Capital
Risk-Based Capital32.66%35.96%35.22%36.68%16.37%-1,629 bps
Net Worth / Assets32.66%35.96%35.22%36.68%16.37%-1,629 bps
Liquidity & Funding
Loans / Shares95.82%108.29%111.45%115.08%110.92%+1,510 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps