Roseburg, OR · Charter 1301
Q2 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 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.78% | 0.50% | 0.52% | 0.38% | -35 bps | |
| Return on Equity | n/a | 7.45% | 4.96% | 5.20% | 3.81% | n/a | |
| Net Interest Margin | 4.13% | 4.27% | 3.74% | 3.61% | 3.38% | -75 bps | |
| Efficiency Ratio | 77.31% | 77.14% | 87.76% | 87.52% | 90.85% | +1,354 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.03% | 2.68% | 0.45% | 3.07% | 10.04% | -298 bps | |
| Loan Growth (YoY) | -9.74% | -1.67% | 0.94% | 18.65% | 18.88% | +2,862 bps | |
| Share Growth (YoY) | 13.28% | 1.61% | -0.82% | 2.79% | 9.77% | -351 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.44% | 0.69% | 0.03% | 0.13% | 0.40% | -104 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.93% | 0.82% | 0.70% | 0.62% | -22 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 10.53% | 10.06% | 10.05% | 10.07% | n/a | |
| Net Worth / Assets | n/a | 10.53% | 10.06% | 10.05% | 10.07% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.84% | 64.34% | 58.78% | 64.45% | 64.80% | +496 bps | |
| Liquid Assets / Assets | 31.60% | 32.89% | 42.35% | 37.07% | 35.21% | +362 bps | |