Roseburg, OR · Charter 12159
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.05% | 2.07% | 1.76% | 1.89% | 1.93% | -11 bps | |
| Return on Equity | 11.25% | 12.18% | 10.59% | 11.54% | 11.56% | +30 bps | |
| Net Interest Margin | 4.18% | 3.90% | 3.71% | 3.81% | 3.81% | -37 bps | |
| Efficiency Ratio | 49.49% | 48.68% | 49.86% | 46.29% | 46.11% | -337 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.30% | 22.85% | 27.75% | 26.31% | 33.15% | +1,486 bps | |
| Loan Growth (YoY) | 28.75% | 24.11% | 25.39% | 17.11% | 16.47% | -1,228 bps | |
| Share Growth (YoY) | 16.63% | 21.81% | 28.13% | 26.00% | 35.43% | +1,880 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.93% | 0.91% | 0.58% | 0.74% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.65% | 0.85% | 0.76% | 0.86% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.19% | 17.03% | 16.65% | 16.37% | 16.73% | -146 bps | |
| Net Worth / Assets | 18.19% | 17.03% | 16.65% | 16.37% | 16.73% | -146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.77% | 88.71% | 88.78% | 83.30% | 83.22% | -1,354 bps | |
| Liquid Assets / Assets | 14.41% | 24.65% | 21.36% | 25.19% | 27.34% | +1,292 bps | |