Knoxville, TN · Charter 15903
Q2 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.61% | 0.58% | -0.64% | -0.69% | -108 bps | |
| Return on Equity | 1.45% | 2.17% | 1.99% | -2.26% | -2.48% | -393 bps | |
| Net Interest Margin | 4.71% | 4.72% | 4.65% | 3.99% | 3.42% | -129 bps | |
| Efficiency Ratio | 75.75% | 75.58% | 77.68% | 111.52% | 114.93% | +3,918 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.32% | 15.07% | 11.23% | 4.70% | -1.95% | -1,828 bps | |
| Loan Growth (YoY) | -15.59% | -15.51% | -21.30% | -40.09% | -44.23% | -2,864 bps | |
| Share Growth (YoY) | 20.17% | 20.81% | 15.95% | 6.49% | -2.70% | -2,287 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.95% | 9.58% | 6.73% | 12.47% | 10.01% | +606 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.67% | 1.94% | 2.19% | 1.60% | 2.09% | +42 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.13% | 28.18% | 29.23% | 28.40% | 27.69% | +56 bps | |
| Net Worth / Assets | 27.13% | 28.18% | 29.23% | 28.40% | 27.69% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.89% | 68.36% | 66.35% | 53.54% | 42.35% | -3,154 bps | |
| Liquid Assets / Assets | 45.85% | 50.74% | 52.61% | 60.69% | 68.54% | +2,269 bps | |