Cincinnati, OH · Charter 24010
Q4 2002
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.52% | -0.60% | -0.34% | -0.35% | -76 bps | |
| Return on Equity | 7.35% | 8.93% | -11.39% | -6.61% | -6.32% | -1,367 bps | |
| Net Interest Margin | 4.42% | 3.95% | 2.72% | 2.76% | 3.22% | -121 bps | |
| Efficiency Ratio | 84.11% | 86.79% | 112.07% | 104.29% | 104.39% | +2,028 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.24% | -10.41% | -3.34% | 6.12% | 1.38% | +1,062 bps | |
| Loan Growth (YoY) | -19.70% | -36.63% | -36.42% | -28.33% | -25.03% | -532 bps | |
| Share Growth (YoY) | -10.29% | -8.76% | -0.61% | 6.28% | 1.54% | +1,183 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.72% | 1.54% | 1.75% | 1.43% | 2.17% | +46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.81% | 0.85% | 1.08% | 0.86% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.55% | 5.82% | 5.24% | 5.09% | 5.51% | -4 bps | |
| Net Worth / Assets | 5.55% | 5.82% | 5.24% | 5.09% | 5.51% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.52% | 68.50% | 64.03% | 60.50% | 62.40% | -2,211 bps | |
| Liquid Assets / Assets | 14.73% | 30.42% | 35.24% | 35.14% | 29.31% | +1,459 bps | |