Baltimore, MD · Charter 10766
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 | -1.31% | -4.54% | -2.84% | -2.18% | 0.15% | +146 bps | |
| Return on Equity | -2.97% | -11.04% | -6.99% | -5.45% | 0.33% | +330 bps | |
| Net Interest Margin | 9.28% | 6.72% | 7.56% | 7.48% | 5.69% | -359 bps | |
| Efficiency Ratio | 114.10% | 167.53% | 137.63% | 129.23% | 97.28% | -1,683 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.84% | -5.27% | -5.78% | -0.38% | -11.85% | +599 bps | |
| Loan Growth (YoY) | -32.64% | -25.02% | -20.14% | -16.66% | -7.99% | +2,465 bps | |
| Share Growth (YoY) | -13.02% | -0.22% | 1.83% | -5.14% | -15.28% | -226 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 25.74% | 25.74% | 25.94% | 25.38% | 27.14% | +141 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 24.64% | 25.39% | 25.59% | 25.04% | 26.78% | +214 bps | |
| Capital | |||||||
| Risk-Based Capital | 44.12% | 41.10% | 40.69% | 40.09% | 46.29% | +217 bps | |
| Net Worth / Assets | 44.12% | 41.10% | 40.69% | 40.09% | 46.29% | +217 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 162.76% | 151.62% | 150.42% | 151.41% | 176.76% | +1,400 bps | |
| Liquid Assets / Assets | 30.91% | 32.82% | 33.05% | 31.44% | 28.65% | -227 bps | |