Richmond, KY · Charter 22386
Q4 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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 1.04% | 0.52% | 0.30% | 0.65% | -12 bps | |
| Return on Equity | 6.72% | 8.58% | 4.57% | 2.67% | 5.27% | -145 bps | |
| Net Interest Margin | 5.54% | 5.49% | 5.26% | 5.23% | 5.49% | -5 bps | |
| Efficiency Ratio | 74.67% | 73.59% | 78.25% | 76.67% | 75.39% | +73 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.04% | 11.77% | 6.40% | 14.54% | 2.38% | -666 bps | |
| Loan Growth (YoY) | 15.95% | -0.48% | -14.83% | -18.96% | -7.02% | -2,297 bps | |
| Share Growth (YoY) | 7.46% | 10.60% | 5.31% | 15.08% | 1.87% | -558 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.72% | 0.50% | 0.58% | 0.12% | 0.86% | -187 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.85% | 0.41% | 0.74% | 0.73% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.38% | 12.14% | 11.49% | 11.23% | 12.24% | +85 bps | |
| Net Worth / Assets | 11.38% | 12.14% | 11.49% | 11.23% | 12.24% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.05% | 81.92% | 73.61% | 72.51% | 77.62% | -742 bps | |
| Liquid Assets / Assets | 23.11% | 26.08% | 32.86% | 34.06% | 29.67% | +656 bps | |