Hilaleah, FL · Charter 19936
Q4 2001
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 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.22% | 3.17% | 0.97% | -0.44% | -4.36% | -559 bps | |
| Return on Equity | n/a | n/a | 11.61% | -5.91% | -123.41% | n/a | |
| Net Interest Margin | 5.35% | 5.73% | 6.27% | 5.57% | 5.91% | +56 bps | |
| Efficiency Ratio | 66.62% | 46.46% | 44.35% | 69.94% | 71.20% | +458 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 32.57% | 83.14% | 84.39% | 96.96% | 67.01% | +3,444 bps | |
| Loan Growth (YoY) | 23.55% | 135.96% | 181.01% | 150.34% | 102.54% | +7,899 bps | |
| Share Growth (YoY) | 25.77% | 89.93% | 91.40% | 107.36% | 94.59% | +6,882 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.36% | 1.19% | 2.61% | 6.98% | 11.30% | +894 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 2.15% | 5.47% | 6.38% | 10.60% | +885 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 8.36% | 7.50% | 3.54% | n/a | |
| Net Worth / Assets | n/a | n/a | 8.36% | 7.50% | 3.54% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.17% | 84.01% | 92.87% | 82.70% | 89.69% | +352 bps | |
| Liquid Assets / Assets | 19.19% | 6.23% | 15.72% | 25.04% | 16.67% | -252 bps | |