Denver, CO · Charter 66031
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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 66031
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.06% | 1.20% | 1.37% | 1.32% | -3.27% | -833 bps | |
| Return on Equity | n/a | n/a | n/a | 4.67% | -12.92% | n/a | |
| Net Interest Margin | n/a | 5.45% | 5.82% | 5.58% | 2.97% | n/a | |
| Efficiency Ratio | n/a | 77.98% | 76.44% | 69.62% | 147.64% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.71% | 2.75% | 2.19% | -1.23% | 5.42% | +471 bps | |
| Loan Growth (YoY) | 8.74% | -1.97% | -5.50% | -10.13% | -17.61% | -2,635 bps | |
| Share Growth (YoY) | -2.51% | 0.09% | -0.76% | -5.57% | 10.03% | +1,254 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.94% | 3.67% | 5.90% | 4.95% | 1.51% | -43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 1.24% | 1.31% | 1.33% | 0.00% | -126 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 28.31% | 25.31% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 28.31% | 25.31% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.89% | 77.32% | 69.32% | 73.41% | 56.08% | -1,881 bps | |
| Liquid Assets / Assets | 39.39% | 39.41% | 40.26% | 50.46% | 57.36% | +1,797 bps | |