PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Community Financial

Broomfield, CO · Charter 68550

NCUA

Q1 2016

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

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.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.45%0.62%0.54%0.49%-4.83%-528 bps
Return on Equity4.00%5.25%4.61%4.30%-48.01%-5,201 bps
Net Interest Margin2.81%2.75%2.72%2.65%0.86%-195 bps
Efficiency Ratio88.49%84.52%85.48%86.78%467%+37,811 bps
Growth
Asset Growth (YoY)47.93%48.20%50.53%9.29%8.05%-3,988 bps
Loan Growth (YoY)36.24%38.19%43.66%14.08%14.24%-2,201 bps
Share Growth (YoY)50.07%50.74%49.77%9.93%9.42%-4,065 bps
Asset Quality
Delinquent Loans / Loans0.06%0.12%0.16%0.16%0.18%+12 bps
Net Charge-Offs / Loansn/an/an/an/a0.87%n/an/a
Allowance / Loans0.65%0.65%0.64%0.59%0.59%-5 bps
Capital
Risk-Based Capital11.17%11.82%11.70%11.42%10.07%-110 bps
Net Worth / Assets11.17%11.82%11.70%11.42%10.07%-110 bps
Liquidity & Funding
Loans / Shares82.40%83.70%88.70%86.32%86.02%+363 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps