Loveland, CO · Charter 68218
Q4 2008
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.33% | 0.23% | -0.65% | -6.47% | -669 bps | |
| Return on Equity | 3.02% | 4.56% | 3.11% | -9.90% | -904% | -90,696 bps | |
| Net Interest Margin | 4.78% | 4.25% | 4.31% | 4.38% | 4.32% | -46 bps | |
| Efficiency Ratio | 90.77% | 88.81% | 90.78% | 107.76% | 148.94% | +5,817 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.39% | 1.50% | 1.42% | 6.97% | 3.35% | +474 bps | |
| Loan Growth (YoY) | -16.24% | -4.02% | 15.66% | 21.55% | 28.60% | +4,484 bps | |
| Share Growth (YoY) | -1.75% | 1.47% | 1.22% | 7.88% | 10.97% | +1,271 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 0.64% | 1.22% | 1.85% | 1.98% | +71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.83% | 0.59% | 0.51% | 3.60% | +288 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.42% | 7.15% | 7.30% | 6.52% | 0.72% | -671 bps | |
| Net Worth / Assets | 7.42% | 7.15% | 7.30% | 6.52% | 0.72% | -671 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.39% | 77.47% | 95.76% | 95.46% | 95.49% | +1,309 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |