Denver, CO · Charter 68033
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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 68033
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.04% | -0.96% | -9.86% | -10.77% | -1,156 bps | |
| Return on Equity | 18.01% | 0.92% | -28.95% | -1154% | n/a | n/a | |
| Net Interest Margin | 5.25% | 5.54% | 5.38% | 5.67% | 5.90% | +65 bps | |
| Efficiency Ratio | 89.36% | 93.88% | 101.03% | 144.20% | 284% | +19,448 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.42% | 1.56% | -5.60% | -20.44% | -24.62% | -2,704 bps | |
| Loan Growth (YoY) | -0.67% | -9.64% | -11.85% | -7.85% | -13.27% | -1,260 bps | |
| Share Growth (YoY) | 0.68% | 1.47% | -5.16% | -17.61% | -19.68% | -2,036 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.54% | 4.97% | 3.60% | 7.66% | 6.63% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.97% | 2.07% | 2.42% | 3.61% | 2.88% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.40% | 4.14% | 3.32% | 0.85% | -1.70% | -610 bps | |
| Net Worth / Assets | 4.40% | 4.14% | 3.32% | 0.85% | -1.70% | -610 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.56% | 80.70% | 74.91% | 84.11% | 86.99% | +643 bps | |
| Liquid Assets / Assets | 19.32% | 16.33% | 25.24% | 10.74% | 9.53% | -979 bps | |