Denver, CO · Charter 65726
NCUA · 1 branch
Q1 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.72% | 2.69% | 2.96% | 2.89% | 2.56% | -16 bps | |
| Efficiency Ratio | 112.91% | 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 / Loans | 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 |
| Allowance / Loans | 1.15% | 1.04% | 1.26% | 1.24% | 1.23% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.82% | 11.79% | 12.08% | 11.78% | 11.21% | -61 bps | |
| Net Worth / Assets | 11.82% | 11.79% | 12.08% | 11.78% | 11.21% | -61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |