Louisville, KY · Charter 22108
Q2 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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.29% | 8.87% | -5.81% | -17.05% | -1,764 bps | |
| Return on Equity | n/a | 2.64% | 59.94% | -94.82% | n/a | n/a | |
| Net Interest Margin | 3.09% | 3.87% | 4.37% | 5.51% | 5.32% | +223 bps | |
| Efficiency Ratio | 82.97% | 82.18% | -58.95% | 129.17% | 203% | +11,976 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.32% | 8.68% | 8.85% | -3.06% | -20.34% | -3,865 bps | |
| Loan Growth (YoY) | 40.39% | 90.60% | 120.86% | 88.07% | 4.31% | -3,608 bps | |
| Share Growth (YoY) | 20.19% | 8.88% | 1.01% | 3.16% | -8.80% | -2,899 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.15% | 1.57% | 6.14% | 10.67% | 5.00% | -15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.95% | 0.85% | 4.05% | 3.13% | +252 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 10.93% | 14.81% | 6.13% | -1.71% | n/a | |
| Net Worth / Assets | n/a | 10.93% | 14.81% | 6.13% | -1.71% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.37% | 76.89% | 87.26% | 80.70% | 63.33% | +796 bps | |
| Liquid Assets / Assets | 12.53% | 17.24% | 5.71% | 20.01% | 30.54% | +1,801 bps | |