PackageTrendsPeer
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Community Financial

Broomfield, CO · Charter 68550

NCUA

Q1 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Financial

Broomfield, CO · Charter 68550

NCUA

Q1 2016

$239.8MAssets
$182.6MLoans
$212.3MShares
$24.1MNet Worth

Executive Summary

  • Earnings: ROA of -4.83%, down 528 bps year over year; NIM at 0.86%.
  • Asset quality: problem loans at 0.18% of loans (+12 bps YoY), with net charge-offs at 0.87%.
  • Capital: net worth / assets of 10.07%, down 110 bps from a year ago.
  • Funding: loans stand at 86.02% of shares as of Q1 2016.

Return on Assets (YTD, annualized)

-4.83%-528 bps YoY

Net Interest Margin (YTD, annualized)

0.86%-195 bps YoY

Efficiency Ratio (YTD, annualized)

467%+37,811 bps YoY

Net Worth / Assets

10.07%-110 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets1.28%1.06%0.56%0.45%0.62%0.54%0.49%-4.83%-528 bps
Return on Equity9.70%7.98%4.67%4.00%5.25%4.61%4.30%-48.01%-5,201 bps
Net Interest Margin2.89%2.88%2.26%2.81%2.75%2.72%2.65%0.86%-195 bps
Efficiency Ratio75.13%78.39%85.87%88.49%84.52%85.48%86.78%467%+37,811 bps
Growth
Asset Growth (YoY)7.24%7.52%47.91%47.93%48.20%50.53%9.29%8.05%-3,988 bps
Loan Growth (YoY)15.73%10.74%36.78%36.24%38.19%43.66%14.08%14.24%-2,201 bps
Share Growth (YoY)7.28%7.74%50.25%50.07%50.74%49.77%9.93%9.42%-4,065 bps
Asset Quality
Delinquent Loans / Loans0.40%0.18%0.33%0.06%0.12%0.16%0.16%0.18%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a0.87%n/an/a
Allowance / Loans0.79%0.77%0.70%0.65%0.65%0.64%0.59%0.59%-5 bps
Capital
Risk-Based Capital13.18%13.29%11.95%11.17%11.82%11.70%11.42%10.07%-110 bps
Net Worth / Assets13.18%13.29%11.95%11.17%11.82%11.70%11.42%10.07%-110 bps
Liquidity & Funding
Loans / Shares91.29%92.48%83.18%82.40%83.70%88.70%86.32%86.02%+363 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps