Washington, DC · Charter 11938
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Washington, DC · Charter 11938
Q4 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 1.56% | 0.12% | -0.14% | -1.06% | -163 bps | |
| Return on Equity | 6.90% | 17.75% | 1.58% | -1.81% | -15.31% | -2,221 bps | |
| Net Interest Margin | 3.09% | 4.30% | 2.97% | 3.09% | 3.16% | +6 bps | |
| Efficiency Ratio | 88.41% | 62.10% | 83.26% | 80.14% | 98.24% | +983 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.20% | 8.64% | 14.91% | 8.14% | 1.69% | -1,351 bps | |
| Loan Growth (YoY) | 16.99% | 22.71% | 9.28% | 2.91% | -6.54% | -2,353 bps | |
| Share Growth (YoY) | 17.39% | 15.61% | 14.57% | 8.37% | 3.34% | -1,405 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 2.04% | 1.88% | 1.98% | 1.77% | +56 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 1.23% | 1.62% | 1.91% | 1.81% | +81 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.15% | 8.80% | 7.78% | 7.71% | 6.95% | -120 bps | |
| Net Worth / Assets | 8.15% | 8.80% | 7.78% | 7.71% | 6.95% | -120 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.83% | 54.29% | 51.02% | 52.76% | 50.49% | -534 bps | |
| Liquid Assets / Assets | 0.00% | 21.57% | 25.66% | 20.87% | 22.16% | +2,216 bps | |