PackageTrendsPeer
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Denpak

Denver, CO · Charter 9402

Q2 1998

$161KAssets
$92KLoans
$139KShares
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 2.55%, down 88 bps year over year.
  • Asset quality: problem loans at 5.51% of loans (+518 bps YoY).
  • Funding: loans stand at 66.28% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

2.55%-88 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.43%3.96%4.22%3.52%2.55%-88 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)-13.49%-19.06%-4.40%-4.79%-7.26%+623 bps
Loan Growth (YoY)56.67%19.11%-1.25%-13.76%-18.75%-7,543 bps
Share Growth (YoY)-16.17%-22.00%-5.52%-6.30%-8.91%+726 bps
Asset Quality
Delinquent Loans / Loans0.33%0.51%0.24%2.00%5.51%+518 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.91%0.90%0.90%1.09%1.19%+28 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 / Shares74.31%83.62%81.54%65.12%66.28%-803 bps
Liquid Assets / Assets33.88%27.04%1.43%1.41%40.51%+664 bps