Fort Collins, CO · Charter 65118
Q4 2007
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | -3.40% | -3.09% | -3.62% | -4.56% | -534 bps | |
| Return on Equity | 8.18% | -39.39% | -36.43% | -43.88% | -64.00% | -7,218 bps | |
| Net Interest Margin | 3.36% | 2.74% | 2.77% | 3.17% | 3.20% | -16 bps | |
| Efficiency Ratio | 71.21% | 83.13% | 88.17% | 91.21% | 96.22% | +2,501 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.12% | -4.81% | -9.20% | -13.52% | -18.75% | -1,263 bps | |
| Loan Growth (YoY) | 11.69% | -7.40% | -10.66% | -6.45% | -10.73% | -2,242 bps | |
| Share Growth (YoY) | 1.65% | -0.45% | -1.74% | -21.91% | -27.60% | -2,925 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 2.14% | 20.66% | 25.14% | 25.33% | +2,451 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 1.74% | 2.45% | 3.60% | 5.11% | +438 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.49% | 8.63% | 8.49% | 8.25% | 7.12% | -237 bps | |
| Net Worth / Assets | 9.49% | 8.63% | 8.49% | 8.25% | 7.12% | -237 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.38% | 87.10% | 88.90% | 106.67% | 110.21% | +2,083 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |