Pueblo, CO · Charter 65784
Q4 1996
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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.42% | 2.72% | 2.83% | 3.18% | 3.36% | +94 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -3.30% | -13.09% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 9.60% | -16.17% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -5.95% | -1.36% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.87% | 3.03% | 3.31% | 3.71% | 4.62% | +75 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.54% | 119.57% | 107.48% | 96.75% | 77.80% | -1,374 bps | |
| Liquid Assets / Assets | 25.02% | 1.18% | 8.31% | 14.22% | 25.03% | +1 bps | |