Chambersburg, PA · Charter 19022
Q4 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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | -0.14% | 0.03% | 0.59% | -0.24% | -29 bps | |
| Return on Equity | 0.43% | -1.14% | 0.23% | 4.47% | -1.78% | -221 bps | |
| Net Interest Margin | 4.15% | 3.94% | 3.28% | 3.65% | 3.14% | -101 bps | |
| Efficiency Ratio | 80.73% | 89.86% | 89.72% | 78.21% | 95.31% | +1,458 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.59% | -14.81% | -11.72% | -5.41% | -13.59% | -400 bps | |
| Loan Growth (YoY) | -29.88% | -41.65% | -51.43% | -57.22% | -52.35% | -2,247 bps | |
| Share Growth (YoY) | -11.20% | -16.68% | -13.16% | -6.46% | -14.98% | -378 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 3.77% | 4.84% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.54% | 5.33% | 7.15% | 2.78% | 3.91% | -63 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.08% | 12.29% | 12.48% | 13.20% | 13.55% | +147 bps | |
| Net Worth / Assets | 12.08% | 12.29% | 12.48% | 13.20% | 13.55% | +147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.13% | 74.63% | 59.16% | 50.70% | 45.47% | -3,566 bps | |
| Liquid Assets / Assets | 31.04% | 37.13% | 51.00% | 56.28% | 61.18% | +3,015 bps | |