Gary, IN · Charter 11848
Q3 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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.00% | 0.08% | 0.00% | 0.00% | -17 bps | |
| Return on Equity | 0.98% | 0.00% | 0.44% | 0.00% | 0.00% | -98 bps | |
| Net Interest Margin | 4.29% | 4.28% | 4.38% | 4.99% | 4.50% | +21 bps | |
| Efficiency Ratio | 92.03% | 98.32% | 92.67% | 77.15% | 76.82% | -1,521 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.64% | -19.10% | -19.49% | -11.95% | -1.40% | +1,623 bps | |
| Loan Growth (YoY) | -0.62% | -0.26% | -13.28% | -21.03% | -26.30% | -2,569 bps | |
| Share Growth (YoY) | -20.80% | -22.46% | -26.35% | -14.47% | -1.80% | +1,900 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.32% | 3.39% | 3.21% | 0.63% | 3.70% | +138 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 0.40% | 0.83% | 1.56% | 2.09% | +84 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.77% | 17.85% | 18.54% | 19.01% | 18.11% | +33 bps | |
| Net Worth / Assets | 17.77% | 17.85% | 18.54% | 19.01% | 18.11% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.70% | 62.28% | 64.98% | 54.17% | 52.31% | -1,739 bps | |
| Liquid Assets / Assets | 12.87% | 25.55% | 26.34% | 24.92% | 27.95% | +1,508 bps | |