Youngstown, OH · Charter 1569
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Youngstown, OH · Charter 1569
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 | 0.17% | -0.17% | -0.87% | -0.87% | -1.01% | -118 bps | |
| Return on Equity | 2.48% | -2.51% | -14.08% | -14.91% | -18.92% | -2,141 bps | |
| Net Interest Margin | 5.06% | 4.99% | 4.86% | 4.76% | 4.64% | -42 bps | |
| Efficiency Ratio | 95.48% | 101.99% | 109.87% | 109.22% | 111.21% | +1,573 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.52% | -5.22% | -8.68% | 0.16% | 0.86% | +838 bps | |
| Loan Growth (YoY) | -1.20% | 6.06% | 25.78% | 26.55% | 19.51% | +2,070 bps | |
| Share Growth (YoY) | -4.95% | -5.09% | -8.34% | 1.21% | 2.24% | +719 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.38% | 0.77% | 1.50% | 0.28% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.35% | 0.50% | 0.62% | 0.51% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.66% | 6.56% | 6.15% | 5.85% | 5.35% | -131 bps | |
| Net Worth / Assets | 6.66% | 6.56% | 6.15% | 5.85% | 5.35% | -131 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.68% | 69.73% | 82.75% | 79.68% | 74.44% | +1,076 bps | |
| Liquid Assets / Assets | 32.25% | 28.92% | 11.04% | 17.94% | 21.45% | -1,080 bps | |