Lafayette, IN · Charter 24184
Q3 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.87% | -0.51% | 0.31% | 0.41% | -0.72% | +14 bps | |
| Return on Equity | -7.54% | -4.38% | 2.56% | 3.03% | -5.63% | +191 bps | |
| Net Interest Margin | 4.63% | 4.57% | 4.62% | 5.17% | 5.12% | +49 bps | |
| Efficiency Ratio | 89.65% | 89.36% | 94.12% | 92.82% | 112.96% | +2,331 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.38% | 4.77% | 2.42% | -11.06% | -13.32% | -2,470 bps | |
| Loan Growth (YoY) | -19.60% | -12.14% | -15.59% | -15.11% | -19.59% | +1 bps | |
| Share Growth (YoY) | 13.90% | 6.20% | 3.29% | -12.15% | -14.60% | -2,851 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.82% | 1.34% | 1.84% | 0.49% | -75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.16% | 1.75% | 1.41% | 1.32% | 0.13% | -203 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.48% | 11.59% | 11.92% | 13.43% | 12.86% | +138 bps | |
| Net Worth / Assets | 11.48% | 11.59% | 11.92% | 13.43% | 12.86% | +138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.15% | 67.07% | 64.38% | 69.43% | 65.11% | -404 bps | |
| Liquid Assets / Assets | 36.44% | 37.93% | 39.72% | 36.09% | 40.55% | +411 bps | |