Rifle, CO · Charter 66215
Q2 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.54% | 0.59% | 0.03% | -0.49% | -74 bps | |
| Return on Equity | 3.81% | 8.03% | 8.59% | 0.48% | -7.65% | -1,146 bps | |
| Net Interest Margin | 3.77% | 3.67% | 3.68% | 3.62% | 3.69% | -8 bps | |
| Efficiency Ratio | 85.03% | 81.87% | 82.82% | 90.85% | 96.93% | +1,190 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.35% | 19.79% | 16.20% | 8.79% | 8.63% | -1,372 bps | |
| Loan Growth (YoY) | -1.97% | -11.73% | 1.57% | 12.02% | 22.36% | +2,432 bps | |
| Share Growth (YoY) | 23.90% | 20.73% | 16.75% | 8.79% | 9.04% | -1,485 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.32% | 0.37% | 0.27% | 0.08% | -42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.95% | 0.86% | 0.70% | 0.63% | -26 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.71% | 6.77% | 6.91% | 6.80% | 6.38% | -33 bps | |
| Net Worth / Assets | 6.71% | 6.77% | 6.91% | 6.80% | 6.38% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.64% | 58.80% | 63.34% | 65.95% | 72.53% | +789 bps | |
| Liquid Assets / Assets | 23.52% | 27.32% | 27.31% | 17.04% | 22.44% | -108 bps | |