Pascagoula, MS · Charter 17206
Q3 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | -0.80% | -0.55% | -2.08% | -1.86% | -233 bps | |
| Return on Equity | 2.77% | -5.45% | -3.85% | -15.79% | -13.95% | -1,671 bps | |
| Net Interest Margin | 4.89% | 4.16% | 3.97% | 3.74% | 3.75% | -115 bps | |
| Efficiency Ratio | 90.04% | 108.86% | 108.04% | 119.87% | 122.84% | +3,280 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 27.82% | 15.65% | 18.80% | 8.32% | 10.03% | -1,779 bps | |
| Loan Growth (YoY) | 1.29% | -6.40% | -9.48% | -18.80% | -26.46% | -2,775 bps | |
| Share Growth (YoY) | 30.90% | 17.00% | 23.37% | 14.09% | 14.85% | -1,605 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.53% | 2.04% | 3.58% | 5.39% | 7.69% | +316 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 0.91% | 1.26% | 3.02% | 2.56% | +131 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.85% | 14.75% | 14.34% | 13.20% | 13.35% | -350 bps | |
| Net Worth / Assets | 16.85% | 14.75% | 14.34% | 13.20% | 13.35% | -350 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.38% | 60.31% | 55.54% | 46.48% | 43.78% | -2,459 bps | |
| Liquid Assets / Assets | 42.11% | 37.43% | 38.01% | 43.71% | 50.14% | +803 bps | |