Center Line, MI · Charter 14364
Q4 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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.59% | 0.12% | 0.03% | -1.71% | -267 bps | |
| Return on Equity | 9.57% | 5.47% | 1.18% | 0.30% | -19.14% | -2,871 bps | |
| Net Interest Margin | 3.30% | 3.47% | 3.25% | 3.35% | 3.48% | +18 bps | |
| Efficiency Ratio | 73.78% | 81.40% | 92.69% | 90.52% | 126.45% | +5,266 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.53% | -5.08% | -0.40% | 3.43% | -5.23% | -876 bps | |
| Loan Growth (YoY) | 6.19% | -15.84% | -8.16% | -3.79% | -1.47% | -766 bps | |
| Share Growth (YoY) | 3.40% | -6.49% | -1.46% | 2.81% | -2.86% | -626 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 1.15% | 1.11% | 1.29% | 0.72% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.40% | 1.31% | 1.25% | 1.31% | 1.61% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.01% | 10.74% | 10.11% | 10.20% | 8.94% | -107 bps | |
| Net Worth / Assets | 10.01% | 10.74% | 10.11% | 10.20% | 8.94% | -107 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.65% | 48.37% | 49.13% | 50.93% | 50.36% | +71 bps | |
| Liquid Assets / Assets | 32.45% | 26.60% | 35.81% | 30.89% | 31.99% | -46 bps | |