Denver, CO · Charter 65726
NCUA · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Denver, CO · Charter 65726
NCUA · 1 branch
Q1 2017
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | 0.01% | -0.18% | -0.46% | -0.14% | 0.12% | -0.03% | -0.85% | -39 bps | |
| Return on Equity | -0.12% | 0.05% | -1.53% | -3.92% | -1.22% | 1.01% | -0.27% | -7.59% | -367 bps | |
| Net Interest Margin | 2.76% | 2.88% | 2.75% | 2.72% | 2.69% | 2.96% | 2.89% | 2.56% | -16 bps | |
| Efficiency Ratio | 105.74% | 101.79% | 101.49% | 112.91% | 106.91% | 104.40% | 106.55% | 117.19% | +428 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.10% | 1.34% | 3.36% | -0.47% | 0.44% | 2.25% | -0.35% | 4.18% | +464 bps | |
| Loan Growth (YoY) | -8.87% | -6.92% | -9.56% | -11.44% | 27.25% | 12.69% | 12.15% | 13.00% | +2,444 bps | |
| Share Growth (YoY) | 4.69% | 1.55% | 3.68% | -0.72% | 0.63% | 2.60% | -0.23% | 4.99% | +571 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.08% | 0.80% | 2.37% | 0.14% | 0.53% | 0.19% | 0.54% | 0.68% | +54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.23% | 1.78% | 1.15% | 1.04% | 1.26% | 1.24% | 1.23% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.09% | 12.45% | 11.78% | 11.82% | 11.79% | 12.08% | 11.78% | 11.21% | -61 bps | |
| Net Worth / Assets | 12.09% | 12.45% | 11.78% | 11.82% | 11.79% | 12.08% | 11.78% | 11.21% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.88% | 41.50% | 38.71% | 36.69% | 50.42% | 45.59% | 43.51% | 39.49% | +280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |