Baltimore, MD · Charter 14451
Q3 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.01% | -1.66% | 0.59% | 0.66% | 1.35% | +336 bps | |
| Return on Equity | -30.32% | -23.35% | 9.52% | 10.27% | 20.58% | +5,090 bps | |
| Net Interest Margin | 7.82% | 6.92% | 5.28% | 4.38% | 1.54% | -628 bps | |
| Efficiency Ratio | 125.68% | 124.03% | 195.88% | 150.00% | 12.31% | -11,337 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -37.11% | -31.65% | -10.53% | -7.99% | -7.21% | +2,990 bps | |
| Loan Growth (YoY) | -37.69% | -13.05% | -13.23% | -9.90% | -11.75% | +2,595 bps | |
| Share Growth (YoY) | -58.85% | -73.22% | -33.88% | -28.09% | -37.33% | +2,152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 85.19% | 85.01% | 85.01% | 88.10% | 94.29% | +910 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 44.27% | 44.66% | 44.43% | 46.05% | 49.29% | +502 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.63% | 7.12% | 6.17% | 6.39% | 6.57% | -6 bps | |
| Net Worth / Assets | 6.63% | 7.12% | 6.17% | 6.39% | 6.57% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 841% | 1398% | 757% | 762% | 1184% | +34,323 bps | |
| Liquid Assets / Assets | 14.16% | 11.70% | 5.08% | 9.63% | 12.26% | -190 bps | |