Warwick, RI · Charter 24469
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 | 0.47% | 0.00% | -0.18% | -3.25% | -4.16% | -463 bps | |
| Return on Equity | 2.75% | 0.00% | -1.09% | -21.38% | -28.20% | -3,095 bps | |
| Net Interest Margin | 4.49% | 4.75% | 4.94% | 4.77% | 4.96% | +47 bps | |
| Efficiency Ratio | 89.78% | 90.50% | 91.98% | 83.05% | 93.04% | +326 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.62% | 4.93% | 10.37% | 3.75% | -6.97% | -2,659 bps | |
| Loan Growth (YoY) | -11.10% | -13.47% | -11.89% | -16.68% | -13.83% | -272 bps | |
| Share Growth (YoY) | 24.69% | 7.37% | 13.17% | 6.76% | -4.56% | -2,925 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.98% | 10.45% | 4.40% | 2.79% | 0.90% | -309 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.89% | 2.21% | 3.63% | 5.85% | +464 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.97% | 17.63% | 16.94% | 15.21% | 14.75% | -222 bps | |
| Net Worth / Assets | 16.97% | 17.63% | 16.94% | 15.21% | 14.75% | -222 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.63% | 81.69% | 74.51% | 67.64% | 68.29% | -734 bps | |
| Liquid Assets / Assets | 35.71% | 31.90% | 37.00% | 42.37% | 43.22% | +751 bps | |