Westville, IL · Charter 13217
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 | -0.28% | -0.24% | 0.01% | 0.10% | -0.49% | -20 bps | |
| Return on Equity | -4.21% | -3.53% | 0.18% | 1.49% | -7.17% | -296 bps | |
| Net Interest Margin | 1.66% | 1.93% | 1.95% | 1.91% | 2.05% | +39 bps | |
| Efficiency Ratio | 110.06% | 107.84% | 99.61% | 96.64% | 117.98% | +792 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.89% | 2.30% | -7.34% | -2.78% | -7.38% | -1,327 bps | |
| Loan Growth (YoY) | -38.16% | -37.34% | -26.24% | -30.13% | -29.63% | +853 bps | |
| Share Growth (YoY) | 6.90% | 2.78% | -7.86% | -3.25% | -7.24% | -1,414 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 1.53% | 1.63% | 1.82% | 1.72% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.46% | 0.48% | 0.56% | 0.61% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.76% | 6.67% | 7.02% | 6.96% | 6.81% | +5 bps | |
| Net Worth / Assets | 6.76% | 6.67% | 7.02% | 6.96% | 6.81% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.97% | 24.32% | 24.45% | 21.03% | 20.46% | -651 bps | |
| Liquid Assets / Assets | 65.31% | 70.09% | 68.88% | 168.71% | 71.75% | +644 bps | |