Irwin, PA · Charter 23841
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 | -0.04% | 0.26% | 0.40% | 0.36% | 0.28% | +32 bps | |
| Return on Equity | -0.47% | 2.90% | 4.38% | 4.06% | 3.02% | +348 bps | |
| Net Interest Margin | 1.87% | 2.01% | 2.14% | 2.04% | 2.26% | +39 bps | |
| Efficiency Ratio | 99.31% | 84.73% | 79.53% | 80.07% | 85.19% | -1,412 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.74% | 28.63% | 17.60% | 17.94% | -1.50% | -1,824 bps | |
| Loan Growth (YoY) | -10.65% | -25.94% | -36.04% | -22.96% | -19.19% | -854 bps | |
| Share Growth (YoY) | 17.38% | 31.33% | 19.31% | 19.71% | 1.34% | -1,604 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 3.64% | 0.13% | 3.61% | 3.87% | +323 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.36% | 1.02% | 1.05% | 1.16% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.59% | 8.93% | 9.06% | 8.91% | 9.42% | +83 bps | |
| Net Worth / Assets | 8.59% | 8.93% | 9.06% | 8.91% | 9.42% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.36% | 44.87% | 44.09% | 43.77% | 40.95% | -1,041 bps | |
| Liquid Assets / Assets | 52.23% | 37.47% | 58.61% | 55.25% | 0.00% | -5,223 bps | |