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West Denver Community

Denver, CO · Charter 65726

NCUA · 1 branch

Q1 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Denver Community

Denver, CO · Charter 65726

NCUA · 1 branch

Q1 2017

$9.9MAssets
$3.4MLoans
$8.7MShares
$1.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.85%, down 39 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.68% of loans (+54 bps YoY).
  • Capital: net worth / assets of 11.21%, down 61 bps from a year ago.
  • Funding: loans stand at 39.49% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.85%-39 bps YoY

Net Interest Margin (YTD, annualized)

2.56%-16 bps YoY

Efficiency Ratio (YTD, annualized)

117.19%+428 bps YoY

Net Worth / Assets

11.21%-61 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.46%-0.14%0.12%-0.03%-0.85%-39 bps
Return on Equity-3.92%-1.22%1.01%-0.27%-7.59%-367 bps
Net Interest Margin2.72%2.69%2.96%2.89%2.56%-16 bps
Efficiency Ratio112.91%106.91%104.40%106.55%117.19%+428 bps
Growth
Asset Growth (YoY)-0.47%0.44%2.25%-0.35%4.18%+464 bps
Loan Growth (YoY)-11.44%27.25%12.69%12.15%13.00%+2,444 bps
Share Growth (YoY)-0.72%0.63%2.60%-0.23%4.99%+571 bps
Asset Quality
Delinquent Loans / Loans0.14%0.53%0.19%0.54%0.68%+54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.15%1.04%1.26%1.24%1.23%+8 bps
Capital
Risk-Based Capital11.82%11.79%12.08%11.78%11.21%-61 bps
Net Worth / Assets11.82%11.79%12.08%11.78%11.21%-61 bps
Liquidity & Funding
Loans / Shares36.69%50.42%45.59%43.51%39.49%+280 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps