Denver, CO · Charter 68431
Q3 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.19% | 0.00% | 0.07% | -0.05% | -26 bps | |
| Return on Equity | 1.96% | 1.77% | -0.02% | 0.66% | -0.54% | -251 bps | |
| Net Interest Margin | 4.67% | 4.67% | 4.57% | 4.73% | 4.78% | +11 bps | |
| Efficiency Ratio | 84.54% | 85.59% | 90.83% | 89.09% | 89.84% | +531 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.14% | 2.37% | 4.35% | 2.31% | 8.09% | +195 bps | |
| Loan Growth (YoY) | -6.01% | 3.13% | 16.98% | 30.98% | 34.68% | +4,070 bps | |
| Share Growth (YoY) | 7.30% | 2.66% | 4.74% | 2.65% | 3.04% | -427 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.78% | 1.14% | 0.75% | 0.81% | 0.91% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 1.05% | 0.80% | 0.88% | 0.97% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.54% | 10.55% | 10.15% | 10.15% | 9.74% | -80 bps | |
| Net Worth / Assets | 10.54% | 10.55% | 10.15% | 10.15% | 9.74% | -80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.56% | 78.70% | 80.36% | 86.40% | 96.15% | +2,259 bps | |
| Liquid Assets / Assets | 17.73% | 13.87% | 13.31% | 7.62% | 3.98% | -1,375 bps | |