Tunica, MS · Charter 15411
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 | 0.34% | 1.59% | 4.32% | 3.97% | -123.25% | -12,359 bps | |
| Return on Equity | 0.86% | 3.52% | 10.35% | 8.31% | -213% | -21,342 bps | |
| Net Interest Margin | 5.37% | 6.92% | 7.74% | 7.89% | 23.02% | +1,765 bps | |
| Efficiency Ratio | 78.16% | 64.03% | 44.84% | 50.42% | 48.76% | -2,940 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.37% | 5.43% | 31.48% | -1.94% | -72.59% | -8,297 bps | |
| Loan Growth (YoY) | 15.26% | 65.71% | 37.22% | -17.93% | -64.53% | -7,979 bps | |
| Share Growth (YoY) | 22.54% | 7.34% | 63.03% | 20.04% | -82.10% | -10,465 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 2.93% | 5.45% | 6.91% | 3.18% | +242 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.67% | 1.49% | 1.97% | 2.47% | 111.89% | +11,022 bps | |
| Capital | |||||||
| Risk-Based Capital | 39.26% | 45.03% | 41.69% | 47.74% | 57.98% | +1,872 bps | |
| Net Worth / Assets | 39.26% | 45.03% | 41.69% | 47.74% | 57.98% | +1,872 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 110.50% | 152.51% | 93.08% | 93.82% | 219% | +10,850 bps | |
| Liquid Assets / Assets | 34.94% | 20.11% | 46.02% | 51.70% | 105.65% | +7,071 bps | |