Colorado Spgs, CO · Charter 9832
Q4 2002
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.46% | 0.55% | 0.33% | -2.77% | -305 bps | |
| Return on Equity | 2.50% | 4.08% | 4.77% | 2.83% | -32.07% | -3,457 bps | |
| Net Interest Margin | 3.41% | 3.61% | 3.65% | 3.66% | 3.64% | +24 bps | |
| Efficiency Ratio | 86.32% | 82.16% | 85.02% | 80.35% | 99.17% | +1,285 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.30% | 6.48% | 2.60% | 0.54% | -1.45% | -1,074 bps | |
| Loan Growth (YoY) | -8.72% | -10.45% | -12.42% | -13.71% | -17.56% | -884 bps | |
| Share Growth (YoY) | 12.10% | 6.61% | 2.36% | 0.85% | 1.69% | -1,041 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.08% | 2.05% | 2.46% | 3.12% | 2.71% | -37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.95% | 0.85% | 0.97% | 5.17% | +425 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.25% | 11.32% | 11.56% | 11.50% | 8.65% | -261 bps | |
| Net Worth / Assets | 11.25% | 11.32% | 11.56% | 11.50% | 8.65% | -261 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.00% | 71.25% | 71.31% | 68.23% | 60.81% | -1,419 bps | |
| Liquid Assets / Assets | 19.10% | 23.99% | 23.65% | 28.09% | 33.85% | +1,476 bps | |