Wheatridge, CO · Charter 66037
NCUA · 1 branch
Q1 2021
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.92% | -0.39% | -0.31% | 0.01% | -0.06% | 0.07% | -1.51% | -3.72% | -372 bps | |
| Return on Equity | -5.22% | -2.24% | -1.91% | 0.04% | -0.38% | 0.48% | -10.47% | -26.25% | -2,628 bps | |
| Net Interest Margin | 3.71% | 3.60% | 3.27% | 2.84% | 2.79% | 2.56% | 2.49% | 2.79% | -5 bps | |
| Efficiency Ratio | 105.12% | 102.57% | 101.87% | 109.85% | 105.24% | 99.75% | 175.93% | 219% | +10,899 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.28% | -0.92% | 3.51% | 10.07% | 16.36% | 19.21% | 11.49% | 1.59% | -848 bps | |
| Loan Growth (YoY) | 4.19% | -5.13% | -7.49% | -5.72% | -7.77% | -15.40% | -1.79% | -4.95% | +77 bps | |
| Share Growth (YoY) | -1.55% | 2.20% | 6.97% | 12.64% | 20.93% | 23.36% | 14.08% | 3.31% | -933 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.23% | 0.22% | 0.18% | 0.75% | 0.12% | 0.23% | 0.05% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.52% | 0.51% | 0.27% | 0.39% | 0.23% | 0.41% | 0.43% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.61% | 17.57% | 16.35% | 15.64% | 15.21% | 14.76% | 14.38% | 14.16% | -148 bps | |
| Net Worth / Assets | 17.61% | 17.57% | 16.35% | 15.64% | 15.21% | 14.76% | 14.38% | 14.16% | -148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.66% | 90.22% | 84.28% | 82.04% | 75.24% | 61.87% | 72.56% | 75.48% | -656 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |