Denver, CO · Charter 7380
Q4 2002
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | 0.00% | 0.11% | 0.28% | 0.51% | +66 bps | |
| Return on Equity | -1.15% | 0.03% | 0.92% | 2.40% | 4.38% | +554 bps | |
| Net Interest Margin | 3.14% | 2.81% | 2.91% | 3.01% | 3.12% | -2 bps | |
| Efficiency Ratio | 98.00% | 93.55% | 90.75% | 84.93% | 78.63% | -1,937 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.53% | 22.63% | 24.77% | 15.22% | 11.13% | -339 bps | |
| Loan Growth (YoY) | -2.42% | -9.48% | 5.97% | 38.32% | 49.65% | +5,207 bps | |
| Share Growth (YoY) | 15.02% | 24.81% | 29.32% | 17.90% | 8.73% | -629 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 0.44% | 0.81% | 0.48% | 0.54% | -74 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.04% | 1.10% | 0.83% | 0.71% | 0.77% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.48% | 12.11% | 11.78% | 11.73% | 11.74% | -73 bps | |
| Net Worth / Assets | 12.48% | 12.11% | 11.78% | 11.73% | 11.74% | -73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.15% | 58.94% | 69.69% | 81.89% | 85.53% | +2,339 bps | |
| Liquid Assets / Assets | 32.32% | 32.70% | 20.06% | 13.93% | 17.51% | -1,481 bps | |