Golden, CO · Charter 9995
Q3 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.32% | 0.27% | 0.65% | 0.46% | -2 bps | |
| Return on Equity | 6.43% | 4.33% | 3.60% | 8.04% | 6.15% | -27 bps | |
| Net Interest Margin | 3.91% | 3.96% | 3.83% | 4.27% | 3.80% | -11 bps | |
| Efficiency Ratio | 87.96% | 90.35% | 90.18% | 83.99% | 87.39% | -57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.08% | 0.14% | -0.48% | 2.88% | 3.62% | -45 bps | |
| Loan Growth (YoY) | -3.43% | 1.00% | -2.16% | -5.11% | -6.68% | -325 bps | |
| Share Growth (YoY) | 3.60% | -0.28% | -0.91% | 2.63% | 3.70% | +10 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.82% | 1.71% | 0.64% | 0.77% | 2.20% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.74% | 0.43% | 0.46% | 0.41% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.37% | 7.47% | 7.58% | 8.12% | 7.41% | +5 bps | |
| Net Worth / Assets | 7.37% | 7.47% | 7.58% | 8.12% | 7.41% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.63% | 55.64% | 55.02% | 55.34% | 49.16% | -547 bps | |
| Liquid Assets / Assets | 25.51% | 24.50% | 26.30% | 35.08% | 30.65% | +514 bps | |