Aberdeen, SD · Charter 16356
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.92% | 1.74% | 1.09% | 0.36% | -0.39% | -231 bps | |
| Return on Equity | 18.93% | 16.97% | 10.56% | 3.71% | -3.95% | -2,289 bps | |
| Net Interest Margin | 1.80% | 2.09% | 2.42% | 1.58% | 0.75% | -105 bps | |
| Efficiency Ratio | 67.46% | 64.24% | 57.40% | 78.57% | 144.72% | +7,725 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 26.80% | 20.84% | 6.75% | 10.13% | 11.55% | -1,525 bps | |
| Loan Growth (YoY) | -33.42% | -33.94% | -28.70% | -24.96% | 17.32% | +5,074 bps | |
| Share Growth (YoY) | 25.88% | 20.45% | 5.40% | 10.84% | 12.36% | -1,352 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 5.18% | 0.00% | 5.59% | 3.58% | +358 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.51% | 2.57% | 2.71% | 3.08% | 2.14% | -37 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.13% | 10.23% | 10.37% | 9.67% | 9.88% | -25 bps | |
| Net Worth / Assets | 10.13% | 10.23% | 10.37% | 9.67% | 9.88% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.22% | 38.05% | 35.72% | 29.22% | 41.99% | +177 bps | |
| Liquid Assets / Assets | 62.76% | 64.07% | 66.02% | 72.19% | 61.75% | -101 bps | |