Denver, CO · Charter 66071
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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 66071
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.85% | 2.99% | 3.18% | 2.85% | -1.89% | -573 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.67% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 107.96% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 16.96% | 14.02% | 23.02% | 2.34% | -9.20% | -2,616 bps | |
| Loan Growth (YoY) | 3.99% | 0.57% | 5.19% | 8.08% | 14.28% | +1,029 bps | |
| Share Growth (YoY) | 18.93% | 16.14% | 26.90% | 1.95% | -10.09% | -2,902 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.76% | 1.73% | 2.70% | 2.86% | 0.91% | -85 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.56% | 0.64% | 0.59% | 1.22% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.77% | 67.49% | 65.36% | 73.19% | 83.59% | +1,782 bps | |
| Liquid Assets / Assets | 33.04% | 35.58% | 39.16% | 33.44% | 11.61% | -2,143 bps | |