Denver, CO · Charter 65665
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Denver, CO · Charter 65665
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.73% | -0.69% | -0.18% | -0.56% | -0.53% | +20 bps | |
| Return on Equity | -5.08% | -4.67% | -1.23% | -3.94% | -4.04% | +104 bps | |
| Net Interest Margin | 1.81% | 1.90% | 1.73% | 1.73% | 1.60% | -22 bps | |
| Efficiency Ratio | 132.68% | 129.26% | 121.85% | 132.21% | 130.27% | -241 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.38% | 4.67% | 3.00% | -0.59% | 4.64% | -575 bps | |
| Loan Growth (YoY) | -8.94% | -4.79% | -3.95% | -6.79% | -6.34% | +260 bps | |
| Share Growth (YoY) | 13.45% | 6.43% | 4.21% | 0.07% | 6.06% | -739 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.53% | 0.29% | 0.14% | 0.00% | -63 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 0.99% | 1.09% | 1.21% | 1.30% | +32 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.30% | 14.76% | 14.33% | 14.28% | 13.16% | -114 bps | |
| Net Worth / Assets | 14.30% | 14.76% | 14.33% | 14.28% | 13.16% | -114 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.37% | 37.29% | 34.93% | 33.89% | 31.23% | -414 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |