Grand Junction, CO · Charter 9346
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Grand Junction, CO · Charter 9346
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.65% | 0.79% | 0.88% | -1.06% | -128 bps | |
| Return on Equity | 1.62% | 4.87% | 5.54% | 6.19% | -7.71% | -932 bps | |
| Net Interest Margin | 4.16% | 4.14% | 4.37% | 4.17% | 3.84% | -31 bps | |
| Efficiency Ratio | 93.78% | 82.35% | 79.12% | 76.52% | 122.70% | +2,892 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.17% | 8.33% | -0.03% | 1.19% | -0.50% | -1,268 bps | |
| Loan Growth (YoY) | 1.90% | 0.05% | -2.79% | -7.37% | -7.57% | -947 bps | |
| Share Growth (YoY) | 12.42% | 8.69% | -0.86% | 0.57% | -0.88% | -1,330 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.23% | 0.83% | 0.74% | 0.73% | 0.53% | -70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.26% | 0.39% | 0.49% | 0.44% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.19% | 13.41% | 14.32% | 14.28% | 13.81% | +62 bps | |
| Net Worth / Assets | 13.19% | 13.41% | 14.32% | 14.28% | 13.81% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.51% | 67.36% | 69.19% | 62.94% | 62.96% | -455 bps | |
| Liquid Assets / Assets | 23.49% | 23.21% | 22.73% | 18.60% | 42.49% | +1,900 bps | |