Denver, CO · Charter 68519
Q1 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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.74% | -2.48% | -2.63% | -5.59% | -1.60% | +114 bps | |
| Return on Equity | -22.80% | -21.40% | -24.34% | -72.85% | -194.76% | -17,196 bps | |
| Net Interest Margin | 2.80% | 2.88% | 2.72% | 2.73% | 2.27% | -53 bps | |
| Efficiency Ratio | 103.75% | 101.67% | 105.49% | 111.34% | 132.06% | +2,831 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.38% | -4.56% | -3.46% | -4.69% | -10.64% | -1,027 bps | |
| Loan Growth (YoY) | 0.16% | -2.95% | -1.41% | 0.39% | -4.08% | -424 bps | |
| Share Growth (YoY) | 0.26% | 2.95% | 4.36% | 5.93% | 3.02% | +276 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.87% | 9.55% | 12.94% | 13.45% | 14.26% | +1,239 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.34% | 1.89% | 2.54% | 6.96% | 14.91% | +1,357 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.01% | 11.56% | 10.82% | 7.67% | 0.82% | -1,119 bps | |
| Net Worth / Assets | 12.01% | 11.56% | 10.82% | 7.67% | 0.82% | -1,119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 111.40% | 113.63% | 110.98% | 109.49% | 103.72% | -768 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |