Aurora, CO · Charter 9854
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Aurora, CO · Charter 9854
Q3 2002
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.66% | 1.13% | 1.43% | -50.57% | -5,097 bps | |
| Return on Equity | 5.32% | 9.29% | 14.48% | 18.16% | n/a | n/a | |
| Net Interest Margin | 5.21% | 5.51% | 6.28% | 6.84% | 8.85% | +364 bps | |
| Efficiency Ratio | 92.74% | 87.22% | 77.65% | 77.01% | 91.35% | -139 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 61.95% | 43.19% | 36.48% | 32.24% | -14.35% | -7,630 bps | |
| Loan Growth (YoY) | 94.00% | 90.17% | 76.58% | 40.05% | 15.45% | -7,854 bps | |
| Share Growth (YoY) | 72.69% | 47.93% | 38.46% | 34.28% | 19.65% | -5,304 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 5.27% | 6.77% | 9.50% | 20.14% | +1,959 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.78% | 0.80% | 0.93% | 30.63% | +2,984 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.56% | 7.11% | 7.79% | 7.89% | -27.60% | -3,516 bps | |
| Net Worth / Assets | 7.56% | 7.11% | 7.79% | 7.89% | -27.60% | -3,516 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.88% | 99.80% | 103.78% | 98.89% | 95.41% | -347 bps | |
| Liquid Assets / Assets | 6.94% | 6.78% | 2.15% | 6.79% | 10.22% | +329 bps | |