Denver, CO · Charter 9648
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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 9648
Q3 2007
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.71% | 1.47% | 0.90% | 0.14% | 0.36% | -135 bps | |
| Return on Equity | 12.29% | 10.60% | 6.59% | 1.01% | 2.52% | -977 bps | |
| Net Interest Margin | 4.86% | 4.72% | 4.13% | 4.21% | 4.21% | -66 bps | |
| Efficiency Ratio | 69.07% | 72.12% | 79.95% | 78.15% | 79.17% | +1,010 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.06% | -6.96% | 0.98% | 0.96% | 0.46% | +552 bps | |
| Loan Growth (YoY) | -23.49% | -19.51% | -15.38% | -14.20% | -12.48% | +1,101 bps | |
| Share Growth (YoY) | -7.35% | -9.59% | -0.41% | 0.26% | -0.05% | +730 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.25% | 2.66% | 1.76% | 2.12% | 2.17% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.60% | 2.61% | 2.57% | 3.52% | 3.75% | +115 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.88% | 13.91% | 13.65% | 13.84% | 14.30% | +42 bps | |
| Net Worth / Assets | 13.88% | 13.91% | 13.65% | 13.84% | 14.30% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.75% | 43.51% | 41.15% | 40.87% | 40.94% | -581 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |