Fayetteville, AR · Charter 13160
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 | 0.36% | -0.11% | 0.27% | 0.25% | 0.06% | -30 bps | |
| Return on Equity | 2.97% | -0.89% | 2.23% | 2.14% | 0.48% | -249 bps | |
| Net Interest Margin | 4.61% | 4.44% | 4.21% | 3.56% | 3.66% | -95 bps | |
| Efficiency Ratio | 82.46% | 94.02% | 89.93% | 93.11% | 92.42% | +996 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.46% | -10.06% | 0.62% | 0.10% | 1.98% | +945 bps | |
| Loan Growth (YoY) | 5.80% | -4.01% | -10.51% | -25.70% | -32.78% | -3,858 bps | |
| Share Growth (YoY) | -9.28% | -11.77% | 0.13% | -0.21% | 2.15% | +1,143 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.02% | 1.27% | 1.95% | 1.36% | 1.82% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 0.96% | 0.89% | 1.06% | 1.14% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.97% | 11.89% | 12.12% | 11.80% | 12.05% | +8 bps | |
| Net Worth / Assets | 11.97% | 11.89% | 12.12% | 11.80% | 12.05% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.74% | 88.14% | 80.64% | 67.41% | 63.01% | -3,273 bps | |
| Liquid Assets / Assets | 15.10% | 21.76% | 27.39% | 38.70% | 42.64% | +2,754 bps | |