Cumberland, MD · Charter 16714
Q2 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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.31% | 0.33% | -1.52% | -0.71% | 1.06% | -26 bps | |
| Return on Equity | n/a | 2.55% | -13.21% | -7.68% | 11.87% | n/a | |
| Net Interest Margin | 5.07% | 4.72% | 3.70% | 3.31% | 4.13% | -93 bps | |
| Efficiency Ratio | 74.78% | 93.27% | 139.03% | 120.54% | 76.81% | +203 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.70% | -0.09% | -2.88% | 24.76% | 33.19% | +2,050 bps | |
| Loan Growth (YoY) | 26.61% | 2.10% | 20.88% | 59.24% | 77.95% | +5,134 bps | |
| Share Growth (YoY) | 15.18% | 0.83% | -1.57% | 31.08% | 38.70% | +2,352 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.14% | 2.08% | 2.42% | 1.84% | 2.88% | +174 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.83% | 6.90% | 6.43% | 3.97% | 4.20% | -263 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 12.95% | 11.48% | 9.28% | 8.91% | n/a | |
| Net Worth / Assets | n/a | 12.95% | 11.48% | 9.28% | 8.91% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.59% | 79.50% | 79.38% | 103.82% | 95.70% | +2,111 bps | |
| Liquid Assets / Assets | 13.08% | 34.79% | 33.60% | 8.55% | 15.60% | +252 bps | |