Locust Hill, VA · Charter 24141
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 | -0.15% | -0.64% | -0.67% | -0.59% | -4.15% | -399 bps | |
| Return on Equity | -1.37% | -5.48% | -5.78% | -5.18% | -24.99% | -2,362 bps | |
| Net Interest Margin | 2.21% | 2.17% | 2.23% | 0.60% | 1.46% | -76 bps | |
| Efficiency Ratio | 105.78% | 125.12% | 126.12% | 189.43% | 304% | +19,871 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -22.99% | -12.90% | -12.58% | -8.81% | -42.83% | -1,984 bps | |
| Loan Growth (YoY) | -55.66% | -25.03% | -6.25% | -44.04% | -49.77% | +590 bps | |
| Share Growth (YoY) | -26.03% | -13.31% | -11.51% | -8.91% | -46.35% | -2,032 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 28.06% | 38.91% | 44.04% | 82.80% | 74.46% | +4,640 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.04% | 13.77% | 15.58% | 16.14% | 23.95% | +1,191 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.21% | 11.71% | 11.56% | 11.47% | 16.59% | +538 bps | |
| Net Worth / Assets | 11.21% | 11.71% | 11.56% | 11.47% | 16.59% | +538 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.44% | 17.52% | 15.51% | 14.99% | 17.27% | -117 bps | |
| Liquid Assets / Assets | 82.04% | 83.36% | 85.71% | 79.86% | 84.86% | +282 bps | |