PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

School District 50

Denver, CO · Charter 8061

Q4 1997

$33.0MAssets
$25.6MLoans
$29.1MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.44%, up 58 bps year over year.
  • Asset quality: problem loans at 0.50% of loans (-34 bps YoY).
  • Funding: loans stand at 88.05% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

4.44%+58 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.86%4.13%4.64%4.45%4.44%+58 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a14.14%9.89%27.50%37.47%n/a
Loan Growth (YoY)n/a-8.73%1.29%32.63%53.15%n/a
Share Growth (YoY)n/a13.69%8.83%31.32%39.86%n/a
Asset Quality
Delinquent Loans / Loans0.84%0.60%1.07%0.90%0.50%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.29%1.08%0.91%0.79%0.71%-58 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares80.41%68.81%76.43%85.55%88.05%+764 bps
Liquid Assets / Assets13.25%26.55%12.33%10.23%10.59%-266 bps