Longmont, CO · Charter 64984
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Longmont, CO · Charter 64984
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.75% | 0.94% | 1.31% | 1.12% | +89 bps | |
| Return on Equity | 2.63% | 8.30% | 10.19% | 13.49% | 11.46% | +883 bps | |
| Net Interest Margin | 3.72% | 3.86% | 3.98% | 4.11% | 4.13% | +41 bps | |
| Efficiency Ratio | 76.96% | 69.73% | 66.52% | 64.83% | 68.68% | -829 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.07% | -2.92% | 2.08% | 2.64% | 4.58% | +465 bps | |
| Loan Growth (YoY) | 3.59% | -2.48% | -4.17% | -1.22% | -4.11% | -770 bps | |
| Share Growth (YoY) | -0.70% | -4.01% | 1.09% | 1.02% | 3.08% | +378 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 1.86% | 1.22% | 1.25% | 1.22% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 1.64% | 1.61% | 1.65% | 1.70% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.54% | 9.02% | 9.26% | 9.70% | 9.74% | +120 bps | |
| Net Worth / Assets | 8.54% | 9.02% | 9.26% | 9.70% | 9.74% | +120 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.71% | 82.18% | 80.37% | 81.92% | 77.87% | -584 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |