The Dalles, OR · Charter 21913
Q1 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.19% | 0.13% | 0.23% | -2.31% | -13.14% | -1,195 bps | |
| Return on Equity | -18.12% | 1.95% | 3.22% | -50.10% | -997% | -97,855 bps | |
| Net Interest Margin | 4.86% | 4.61% | 4.64% | 4.99% | 5.23% | +37 bps | |
| Efficiency Ratio | 101.00% | 104.70% | 100.93% | 106.23% | 146.40% | +4,539 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.08% | -12.23% | -16.38% | -16.77% | -20.83% | -1,175 bps | |
| Loan Growth (YoY) | -13.00% | -34.13% | -31.94% | -24.63% | -16.28% | -328 bps | |
| Share Growth (YoY) | -7.76% | -9.74% | -15.75% | -14.02% | -16.40% | -864 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.96% | 4.27% | 6.01% | 7.21% | 4.14% | -82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.76% | 1.81% | 1.08% | 2.76% | 5.93% | +417 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.58% | 6.76% | 7.18% | 4.60% | 1.32% | -526 bps | |
| Net Worth / Assets | 6.58% | 6.76% | 7.18% | 4.60% | 1.32% | -526 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.19% | 52.02% | 58.31% | 64.63% | 64.28% | +9 bps | |
| Liquid Assets / Assets | 36.35% | 43.30% | 37.22% | 32.39% | 33.00% | -335 bps | |