Harrison, AR · Charter 23372
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.60% | -2.54% | -4.90% | -2.71% | -2.85% | -24 bps | |
| Return on Equity | -14.49% | -14.90% | -28.02% | -17.26% | -17.83% | -333 bps | |
| Net Interest Margin | 4.97% | 4.63% | 5.07% | 4.40% | 4.26% | -71 bps | |
| Efficiency Ratio | 113.69% | 126.43% | 139.81% | 155.26% | 159.90% | +4,621 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.25% | 12.41% | -14.27% | 3.35% | -12.28% | -403 bps | |
| Loan Growth (YoY) | -40.96% | -30.99% | -24.02% | -8.78% | 8.20% | +4,916 bps | |
| Share Growth (YoY) | -8.10% | 19.15% | -11.99% | 11.31% | -9.99% | -189 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.30% | 5.55% | 6.49% | 6.57% | 5.78% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.99% | 1.91% | 2.52% | 2.33% | 2.25% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.97% | 17.01% | 17.48% | 15.68% | 15.97% | -201 bps | |
| Net Worth / Assets | 17.97% | 17.01% | 17.48% | 15.68% | 15.97% | -201 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.13% | 66.11% | 79.41% | 72.39% | 79.50% | +1,337 bps | |
| Liquid Assets / Assets | 44.93% | 44.43% | 33.91% | 38.47% | 32.16% | -1,277 bps | |