Waukegan, IL · Charter 14075
Q4 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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.08% | 1.35% | -33.57% | -48.31% | -37.48% | -3,956 bps | |
| Return on Equity | 9.13% | 6.46% | -391% | n/a | n/a | n/a | |
| Net Interest Margin | 7.47% | 5.94% | 6.04% | 8.62% | 9.77% | +230 bps | |
| Efficiency Ratio | 73.91% | 78.64% | 82.67% | 72.08% | 64.03% | -988 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.73% | 12.29% | -8.64% | -27.29% | -31.71% | -2,699 bps | |
| Loan Growth (YoY) | 8.28% | 5.27% | -6.51% | -22.52% | -35.06% | -4,333 bps | |
| Share Growth (YoY) | -10.33% | 11.74% | 7.50% | -0.61% | -7.28% | +305 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.52% | 28.12% | 41.66% | 41.83% | 43.99% | +3,648 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 0.97% | 9.02% | 14.06% | 9.31% | +831 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.75% | 20.85% | 8.58% | -4.68% | -3.48% | -2,624 bps | |
| Net Worth / Assets | 22.75% | 20.85% | 8.58% | -4.68% | -3.48% | -2,624 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 117.60% | 106.60% | 101.18% | 87.91% | 82.37% | -3,523 bps | |
| Liquid Assets / Assets | 8.53% | 15.08% | 12.87% | 17.54% | 19.37% | +1,084 bps | |