Denver, CO · Charter 7418
NCUA · 1 branch
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 2022, 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.
Denver, CO · Charter 7418
NCUA · 1 branch
Q2 2022
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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | 0.32% | 0.40% | -0.41% | -0.38% | -28 bps | |
| Return on Equity | -1.15% | 3.45% | 4.13% | -4.32% | -4.03% | -288 bps | |
| Net Interest Margin | 2.19% | 2.32% | 2.29% | 2.31% | 2.36% | +17 bps | |
| Efficiency Ratio | 103.78% | 89.76% | 87.07% | 117.11% | 115.72% | +1,194 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.44% | 5.22% | 1.98% | 0.15% | -2.60% | -1,104 bps | |
| Loan Growth (YoY) | 7.93% | 0.35% | -2.78% | -2.65% | -2.04% | -997 bps | |
| Share Growth (YoY) | 9.15% | 5.77% | 2.17% | 0.60% | -1.88% | -1,104 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.04% | 0.21% | 0.03% | 0.03% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.92% | 0.95% | 0.96% | 0.92% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.05% | 9.42% | 9.57% | 9.47% | 9.55% | +51 bps | |
| Net Worth / Assets | 9.05% | 9.42% | 9.57% | 9.47% | 9.55% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.78% | 65.72% | 64.78% | 61.43% | 62.68% | -10 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.72% | 0.00% | 0 bps | |