Charleston, WV · Charter 23006
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.73% | 3.57% | 0.68% | 0.33% | 0.48% | -425 bps | |
| Return on Equity | n/a | n/a | n/a | 1.84% | 2.71% | n/a | |
| Net Interest Margin | n/a | 8.85% | 4.54% | 5.32% | 4.82% | n/a | |
| Efficiency Ratio | n/a | 49.41% | 83.89% | 76.29% | 78.94% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -9.83% | -13.77% | -5.36% | 2.02% | -1.24% | +859 bps | |
| Loan Growth (YoY) | -1.80% | 0.47% | 13.94% | 2.01% | 0.07% | +187 bps | |
| Share Growth (YoY) | -13.73% | -17.85% | -7.80% | 1.59% | -2.00% | +1,173 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.15% | 4.47% | 3.98% | 5.85% | 7.55% | +340 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 2.20% | 1.93% | 0.75% | 1.42% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 17.77% | 17.79% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 17.77% | 17.79% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.33% | 67.90% | 66.83% | 69.53% | 65.69% | +136 bps | |
| Liquid Assets / Assets | 34.28% | 0.00% | 0.00% | 26.06% | 45.00% | +1,072 bps | |