Angola, IN · Charter 20096
Q2 2002
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 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.60% | 0.43% | 0.59% | 1.18% | +69 bps | |
| Return on Equity | n/a | 2.01% | 1.46% | 1.79% | 3.58% | n/a | |
| Net Interest Margin | 4.15% | 4.66% | 4.34% | 4.64% | 9.28% | +513 bps | |
| Efficiency Ratio | 75.78% | 66.10% | 67.95% | 71.56% | 71.56% | -422 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.57% | -15.44% | -13.86% | -16.46% | -14.31% | -75 bps | |
| Loan Growth (YoY) | 3.81% | 25.26% | -13.28% | -14.47% | -13.54% | -1,736 bps | |
| Share Growth (YoY) | -19.03% | -22.34% | -19.66% | -23.65% | -20.89% | -186 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.34% | 12.12% | 7.34% | 12.50% | 12.50% | +415 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.10% | 3.17% | 3.32% | 3.87% | 3.87% | +177 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 29.75% | 29.11% | 33.02% | 33.02% | n/a | |
| Net Worth / Assets | n/a | 29.75% | 29.11% | 33.02% | 33.02% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.16% | 98.33% | 85.05% | 95.25% | 95.25% | +809 bps | |
| Liquid Assets / Assets | 32.77% | 32.02% | 39.84% | 37.10% | 37.10% | +432 bps | |