Aurora, CO · Charter 7296
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Aurora, CO · Charter 7296
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.92% | 0.70% | 0.09% | -0.82% | -170 bps | |
| Return on Equity | 8.53% | 8.43% | 6.49% | 0.79% | -7.65% | -1,618 bps | |
| Net Interest Margin | 3.89% | 4.06% | 3.92% | 4.08% | 4.03% | +13 bps | |
| Efficiency Ratio | 71.60% | 70.88% | 70.32% | 72.88% | 74.92% | +332 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.21% | 7.23% | 10.07% | 1.09% | -6.42% | -1,763 bps | |
| Loan Growth (YoY) | 16.25% | 14.47% | 12.85% | 1.92% | -5.19% | -2,144 bps | |
| Share Growth (YoY) | -1.50% | -1.06% | 1.64% | -0.43% | -1.95% | -45 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 1.51% | 1.39% | 1.44% | 1.93% | +56 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.88% | 0.92% | 0.96% | 1.56% | +72 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.35% | 10.96% | 10.83% | 11.09% | 10.68% | +32 bps | |
| Net Worth / Assets | 10.35% | 10.96% | 10.83% | 11.09% | 10.68% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 107.02% | 105.64% | 104.27% | 105.86% | 103.49% | -353 bps | |
| Liquid Assets / Assets | 8.56% | 5.56% | 7.36% | 6.15% | 8.68% | +12 bps | |