Yorklyn, DE · Charter 10496
Q3 2003
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.12% | -1.33% | -1.21% | -0.97% | -0.87% | +25 bps | |
| Return on Equity | -2.99% | -3.37% | -2.98% | -2.25% | -1.97% | +103 bps | |
| Net Interest Margin | 2.27% | 1.82% | 2.59% | 2.63% | 2.51% | +25 bps | |
| Efficiency Ratio | 149.32% | 173.10% | 146.62% | 136.69% | 134.64% | -1,468 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.58% | -10.51% | -8.96% | -11.46% | -17.69% | -811 bps | |
| Loan Growth (YoY) | -23.58% | 45.22% | -15.47% | 35.28% | -5.38% | +1,820 bps | |
| Share Growth (YoY) | -11.66% | -14.24% | -9.83% | -16.16% | -28.71% | -1,705 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.04% | 1.02% | 4.37% | 6.29% | 0.00% | -1,204 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.01% | 9.15% | 11.54% | 11.63% | 12.56% | +255 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.41% | 39.59% | 40.39% | 42.80% | 44.30% | +689 bps | |
| Net Worth / Assets | 37.41% | 39.59% | 40.39% | 42.80% | 44.30% | +689 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.23% | 26.40% | 21.57% | 23.71% | 24.20% | +597 bps | |
| Liquid Assets / Assets | 89.04% | 84.86% | 87.86% | 87.26% | 87.75% | -129 bps | |