Nanticoke, PA · Charter 23849
Q4 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.65% | 3.33% | 1.59% | 2.10% | 1.52% | -13 bps | |
| Return on Equity | 9.91% | 19.39% | 9.26% | 11.19% | 8.33% | -159 bps | |
| Net Interest Margin | 2.70% | 4.36% | 2.47% | 3.13% | 2.63% | -7 bps | |
| Efficiency Ratio | 24.28% | 23.56% | 35.77% | 23.91% | 24.36% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.54% | 9.62% | 6.39% | -0.62% | -0.64% | -1,118 bps | |
| Loan Growth (YoY) | -8.42% | -8.14% | -1.62% | -11.50% | -11.33% | -290 bps | |
| Share Growth (YoY) | 9.48% | 8.27% | 5.51% | -2.59% | -2.57% | -1,205 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.83% | 7.28% | 10.01% | 4.54% | 4.06% | -278 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.80% | 10.70% | 10.13% | 5.20% | 5.80% | -400 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.61% | 17.19% | 17.14% | 18.78% | 18.23% | +162 bps | |
| Net Worth / Assets | 16.61% | 17.19% | 17.14% | 18.78% | 18.23% | +162 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.08% | 60.62% | 64.40% | 60.99% | 59.23% | -585 bps | |
| Liquid Assets / Assets | 49.39% | 53.54% | 50.42% | 52.30% | 52.65% | +326 bps | |