Denver, CO · Charter 66035
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.39% | -0.23% | -0.18% | 0.46% | 0.42% | +81 bps | |
| Return on Equity | -3.47% | -2.09% | -1.48% | 3.59% | 3.40% | +686 bps | |
| Net Interest Margin | 4.20% | 4.14% | 4.59% | 4.69% | 4.47% | +28 bps | |
| Efficiency Ratio | 90.48% | 93.06% | 92.16% | 90.26% | 90.72% | +24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.21% | -8.40% | -12.42% | -15.94% | -9.46% | -26 bps | |
| Loan Growth (YoY) | 1.11% | -1.57% | 4.86% | 1.68% | -6.56% | -767 bps | |
| Share Growth (YoY) | -9.96% | -9.23% | -13.71% | -17.94% | -14.44% | -449 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.09% | 1.13% | 0.03% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.30% | 0.31% | 0.39% | 0.42% | 0.45% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.10% | 11.00% | 12.08% | 12.91% | 12.50% | +140 bps | |
| Net Worth / Assets | 11.10% | 11.00% | 12.08% | 12.91% | 12.50% | +140 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.20% | 77.39% | 94.58% | 94.19% | 88.68% | +748 bps | |
| Liquid Assets / Assets | 14.77% | 21.44% | 10.20% | 8.40% | 0.00% | -1,477 bps | |