St. Louis, MO · Charter 17682
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 | -0.10% | -0.10% | -0.10% | -0.61% | -0.40% | -31 bps | |
| Return on Equity | -0.45% | -0.50% | -0.52% | -3.18% | -2.12% | -167 bps | |
| Net Interest Margin | 4.80% | 4.42% | 4.06% | 3.42% | 2.28% | -252 bps | |
| Efficiency Ratio | 88.34% | 96.92% | 95.51% | 103.00% | 103.00% | +1,466 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.20% | -0.27% | 0.80% | 8.75% | 9.07% | +1,127 bps | |
| Loan Growth (YoY) | -3.42% | -3.05% | -19.95% | -25.68% | -23.17% | -1,975 bps | |
| Share Growth (YoY) | -3.93% | -1.22% | 1.27% | 11.99% | 12.30% | +1,623 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.26% | 1.20% | 1.61% | 3.82% | 3.82% | +257 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.73% | 0.80% | 0.88% | 0.88% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.22% | 20.94% | 19.95% | 19.02% | 19.02% | -221 bps | |
| Net Worth / Assets | 21.22% | 20.94% | 19.95% | 19.02% | 19.02% | -221 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.68% | 101.60% | 80.91% | 74.35% | 74.35% | -3,432 bps | |
| Liquid Assets / Assets | 12.32% | 18.61% | 34.04% | 38.61% | 38.61% | +2,630 bps | |