Colorado Spri, CO · Charter 68212
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Colorado Spri, CO · Charter 68212
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.17% | 0.54% | 1.36% | -1.45% | 0.69% | -248 bps | |
| Return on Equity | n/a | n/a | n/a | -16.59% | 7.54% | n/a | |
| Net Interest Margin | n/a | 4.12% | 4.77% | 4.02% | 4.23% | n/a | |
| Efficiency Ratio | n/a | 80.16% | 65.98% | 119.39% | 41.66% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 12.26% | 11.30% | 8.93% | 4.51% | 2.92% | -934 bps | |
| Loan Growth (YoY) | -5.70% | 5.08% | 16.80% | 39.68% | 14.59% | +2,029 bps | |
| Share Growth (YoY) | 12.39% | 11.10% | 2.78% | -0.65% | 3.40% | -899 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.34% | 0.87% | 0.94% | 0.14% | -38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.48% | 0.58% | 0.65% | 0.63% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 8.77% | 9.15% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 8.77% | 9.15% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.75% | 86.81% | 104.40% | 105.74% | 81.73% | +798 bps | |
| Liquid Assets / Assets | 21.90% | 9.43% | 4.68% | 5.36% | 23.02% | +112 bps | |