Englewood, CO · Charter 65049
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Englewood, CO · Charter 65049
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.07% | 0.15% | 0.06% | 0.22% | 0.05% | +112 bps | |
| Return on Equity | -9.49% | 1.31% | 0.49% | 1.86% | 0.40% | +989 bps | |
| Net Interest Margin | 2.80% | 4.02% | 3.67% | 3.99% | 3.72% | +92 bps | |
| Efficiency Ratio | 135.28% | 96.43% | 98.57% | 93.11% | 96.98% | -3,831 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.87% | -5.35% | -0.68% | -11.14% | -0.88% | -1,275 bps | |
| Loan Growth (YoY) | -5.87% | -1.78% | -1.83% | 0.38% | -14.25% | -838 bps | |
| Share Growth (YoY) | 13.75% | -6.36% | -0.81% | -12.29% | -1.17% | -1,492 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.26% | 0.12% | 0.00% | 1.15% | +76 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 0.74% | 0.52% | 0.48% | 0.40% | -58 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.30% | 11.71% | 11.27% | 12.03% | 11.58% | +27 bps | |
| Net Worth / Assets | 11.30% | 11.71% | 11.27% | 12.03% | 11.58% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.39% | 49.49% | 44.56% | 49.79% | 43.72% | -667 bps | |
| Liquid Assets / Assets | 35.42% | 39.04% | 41.95% | 36.58% | 44.25% | +883 bps | |