Monroe, LA · Charter 19504
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 1.23% | 1.06% | 0.61% | 0.16% | -106 bps | |
| Return on Equity | 10.59% | 10.75% | 9.41% | 6.07% | 1.68% | -891 bps | |
| Net Interest Margin | 1.58% | 1.54% | 1.53% | 0.95% | 0.49% | -109 bps | |
| Efficiency Ratio | 14.12% | 13.50% | 15.53% | 21.67% | 41.33% | +2,721 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.82% | 21.29% | 17.44% | 16.07% | 13.16% | -1,067 bps | |
| Loan Growth (YoY) | -3.37% | -4.37% | -8.91% | -11.24% | -13.37% | -1,000 bps | |
| Share Growth (YoY) | 26.41% | 22.93% | 18.35% | 18.61% | 16.87% | -954 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.55% | 0.26% | 0.48% | 0.92% | +45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.55% | 0.52% | 0.55% | 0.54% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.56% | 11.46% | 11.27% | 10.08% | 9.71% | -184 bps | |
| Net Worth / Assets | 11.56% | 11.46% | 11.27% | 10.08% | 9.71% | -184 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.02% | 40.05% | 37.00% | 34.01% | 31.89% | -1,113 bps | |
| Liquid Assets / Assets | 13.81% | 16.81% | 17.57% | 20.02% | 20.39% | +658 bps | |