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Burlington Colorado-Southern

Wheatridge, CO · Charter 66037

NCUA · 1 branch

Q1 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Burlington Colorado-Southern

Wheatridge, CO · Charter 66037

NCUA · 1 branch

Q1 2021

$26.8MAssets
$17.3MLoans
$22.9MShares
$3.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.72%, down 372 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.05% of loans (-13 bps YoY).
  • Capital: net worth / assets of 14.16%, down 148 bps from a year ago.
  • Funding: loans stand at 75.48% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-3.72%-372 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-5 bps YoY

Efficiency Ratio (YTD, annualized)

219%+10,899 bps YoY

Net Worth / Assets

14.16%-148 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.01%-0.06%0.07%-1.51%-3.72%-372 bps
Return on Equity0.04%-0.38%0.48%-10.47%-26.25%-2,628 bps
Net Interest Margin2.84%2.79%2.56%2.49%2.79%-5 bps
Efficiency Ratio109.85%105.24%99.75%175.93%219%+10,899 bps
Growth
Asset Growth (YoY)10.07%16.36%19.21%11.49%1.59%-848 bps
Loan Growth (YoY)-5.72%-7.77%-15.40%-1.79%-4.95%+77 bps
Share Growth (YoY)12.64%20.93%23.36%14.08%3.31%-933 bps
Asset Quality
Delinquent Loans / Loans0.18%0.75%0.12%0.23%0.05%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.27%0.39%0.23%0.41%0.43%+16 bps
Capital
Risk-Based Capital15.64%15.21%14.76%14.38%14.16%-148 bps
Net Worth / Assets15.64%15.21%14.76%14.38%14.16%-148 bps
Liquidity & Funding
Loans / Shares82.04%75.24%61.87%72.56%75.48%-656 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps