Fairview, UT · Charter 17161
Q4 2002
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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | -0.18% | 0.21% | 0.19% | -0.08% | -27 bps | |
| Return on Equity | 1.16% | -1.15% | 1.29% | 1.15% | -1.54% | -271 bps | |
| Net Interest Margin | 4.90% | 4.35% | 4.39% | 4.45% | 4.71% | -19 bps | |
| Efficiency Ratio | 96.48% | 103.77% | 95.79% | 96.20% | 101.62% | +514 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.06% | -4.32% | -8.81% | -10.44% | -9.38% | +669 bps | |
| Loan Growth (YoY) | -30.61% | -1.40% | 27.46% | -30.03% | -18.64% | +1,197 bps | |
| Share Growth (YoY) | -17.86% | -4.86% | -9.99% | -12.34% | 2.22% | +2,007 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 17.39% | 3.76% | 2.72% | 2.20% | +81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 18.17% | 16.66% | 16.89% | 18.93% | 21.09% | +291 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.60% | 15.43% | 16.29% | 16.34% | 5.45% | -1,015 bps | |
| Net Worth / Assets | 15.60% | 15.43% | 16.29% | 16.34% | 5.45% | -1,015 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.71% | 78.68% | 82.06% | 68.60% | 57.07% | -1,463 bps | |
| Liquid Assets / Assets | 49.55% | 43.68% | 42.23% | 52.69% | 56.34% | +679 bps | |