Denver, CO · Charter 65823
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.93% | -0.79% | -3.66% | 0.24% | 0.13% | +206 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.15% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 6.42% | 6.99% | 7.05% | n/a | |
| Efficiency Ratio | n/a | n/a | 130.93% | 105.92% | 99.53% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.77% | 1.88% | 3.44% | -1.48% | 16.27% | +1,551 bps | |
| Loan Growth (YoY) | 33.37% | 20.92% | 17.50% | 0.95% | 12.96% | -2,041 bps | |
| Share Growth (YoY) | 5.72% | 8.92% | 14.63% | 9.48% | 23.29% | +1,756 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.31% | 4.67% | 3.16% | 2.22% | 2.19% | -212 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.17% | 6.98% | 4.06% | 3.40% | 3.34% | -384 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 6.28% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 6.28% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.33% | 77.42% | 81.20% | 83.50% | 89.18% | -815 bps | |
| Liquid Assets / Assets | 10.77% | 20.49% | 0.00% | 0.00% | 15.22% | +445 bps | |