Aurora, CO · Charter 8029
NCUA · 3 branches
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.03% | 0.03% | 0.03% | 0.02% | 0.04% | 0.08% | 0.09% | +6 bps | |
| Return on Equity | 0.46% | 0.34% | 0.40% | 0.36% | 0.25% | 0.58% | 1.13% | 1.19% | +82 bps | |
| Net Interest Margin | 2.72% | 2.74% | 2.76% | 2.70% | 2.47% | 2.66% | 2.77% | 2.83% | +13 bps | |
| Efficiency Ratio | 98.42% | 98.01% | 97.13% | 97.70% | 99.42% | 98.72% | 97.22% | 96.49% | -122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.29% | 9.42% | 7.26% | 7.29% | 4.18% | 2.33% | 4.33% | 2.86% | -443 bps | |
| Loan Growth (YoY) | -7.10% | -7.03% | -1.88% | 0.14% | 8.70% | 24.13% | 33.12% | 36.09% | +3,595 bps | |
| Share Growth (YoY) | 17.49% | 10.62% | 8.09% | 8.08% | 4.51% | 2.77% | 2.91% | -0.66% | -874 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.30% | 0.34% | 0.52% | 0.59% | 0.53% | 0.65% | 0.83% | +31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.52% | 0.54% | 0.54% | 0.47% | 0.37% | 0.31% | 0.30% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.71% | 7.75% | 7.70% | 7.56% | 7.43% | 7.61% | 7.45% | 7.44% | -12 bps | |
| Net Worth / Assets | 7.71% | 7.75% | 7.70% | 7.56% | 7.43% | 7.61% | 7.45% | 7.44% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.44% | 69.15% | 70.98% | 68.72% | 70.15% | 83.52% | 91.82% | 94.14% | +2,542 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |