Denver, CO · Charter 66034
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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 66034
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | -0.03% | 0.27% | 0.11% | -5.96% | -627 bps | |
| Return on Equity | 2.51% | -0.26% | 2.15% | 0.84% | -68.62% | -7,113 bps | |
| Net Interest Margin | 4.39% | 4.61% | 4.95% | 5.11% | 5.21% | +83 bps | |
| Efficiency Ratio | 81.01% | 90.48% | 83.66% | 80.88% | 204% | +12,269 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.90% | -3.50% | -5.92% | -6.96% | -8.19% | -429 bps | |
| Loan Growth (YoY) | -4.22% | -6.11% | -6.12% | -2.57% | -1.02% | +320 bps | |
| Share Growth (YoY) | -5.00% | -3.88% | -6.60% | -7.58% | -6.31% | -131 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.71% | 2.13% | 1.54% | 1.57% | 1.72% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 1.42% | 1.36% | 1.39% | 2.97% | +122 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.34% | 12.13% | 12.62% | 12.90% | 8.68% | -365 bps | |
| Net Worth / Assets | 12.34% | 12.13% | 12.62% | 12.90% | 8.68% | -365 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.26% | 85.04% | 82.80% | 87.51% | 87.96% | +470 bps | |
| Liquid Assets / Assets | 19.35% | 18.21% | 20.87% | 16.08% | 16.04% | -330 bps | |