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Security

Englewood, CO · Charter 65745

Q2 1997

$505KAssets
$285KLoans
$392KShares
n/aNet 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 3.23%, down 10 bps year over year.
  • Asset quality: problem loans at 33.43% of loans (+1,985 bps YoY).
  • Funding: loans stand at 72.57% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.23%-10 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.34%2.72%3.38%1.71%3.23%-10 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-15.38%-14.82%-20.74%n/a
Loan Growth (YoY)n/an/a-32.19%-41.15%-47.72%n/a
Share Growth (YoY)n/an/a-18.74%-15.96%-23.69%n/a
Asset Quality
Delinquent Loans / Loans13.58%13.25%19.68%11.20%33.43%+1,985 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.54%4.03%2.46%5.75%8.39%+585 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares105.91%95.60%85.43%75.59%72.57%-3,334 bps
Liquid Assets / Assets14.81%24.86%30.96%39.27%44.86%+3,005 bps