Denver, CO · Charter 64871
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 4.73% | 5.47% | 5.60% | 5.97% | 5.89% | +116 bps | |
| Efficiency Ratio | 140.92% | 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 / Loans | 3.84% | 0.00% | 1.59% | 0.78% | 0.14% | -370 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.88% | 3.35% | 3.56% | 31.51% | +3,040 bps | |
| Capital | |||||||
| Risk-Based Capital | 32.66% | 35.96% | 35.22% | 36.68% | 16.37% | -1,629 bps | |
| Net Worth / Assets | 32.66% | 35.96% | 35.22% | 36.68% | 16.37% | -1,629 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.82% | 108.29% | 111.45% | 115.08% | 110.92% | +1,510 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |