Windsor, CO · Charter 6869
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Windsor, CO · Charter 6869
Q1 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.41% | 0.51% | 0.53% | 0.41% | -30 bps | |
| Return on Equity | 3.32% | 2.07% | 2.65% | 2.72% | 1.97% | -135 bps | |
| Net Interest Margin | 4.95% | 4.48% | 4.37% | 4.46% | 5.11% | +16 bps | |
| Efficiency Ratio | 86.07% | 91.38% | 89.19% | 88.93% | 80.02% | -606 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.28% | 13.61% | 13.20% | 11.39% | 5.67% | +140 bps | |
| Loan Growth (YoY) | 0.08% | -1.07% | 7.18% | 3.10% | 4.67% | +459 bps | |
| Share Growth (YoY) | 4.25% | 16.13% | 15.42% | 13.48% | 6.41% | +215 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.00% | 0.00% | 0.15% | 0.25% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.19% | 0.18% | 0.18% | 0.18% | 0.42% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.40% | 19.80% | 19.13% | 19.38% | 20.92% | -48 bps | |
| Net Worth / Assets | 21.40% | 19.80% | 19.13% | 19.38% | 20.92% | -48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.49% | 85.54% | 81.16% | 82.32% | 87.04% | -144 bps | |
| Liquid Assets / Assets | 22.05% | 23.03% | 26.32% | 26.17% | 23.17% | +111 bps | |