Washington, DC · Charter 271
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Washington, DC · Charter 271
Q4 2002
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.04% | -5.98% | -5.42% | -7.56% | -785 bps | |
| Return on Equity | 3.49% | 0.48% | -117.49% | -108.26% | -429% | -43,202 bps | |
| Net Interest Margin | 3.92% | 4.10% | 3.89% | 4.62% | 4.67% | +75 bps | |
| Efficiency Ratio | 89.10% | 88.87% | 123.81% | 113.66% | 161.93% | +7,283 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.73% | 11.48% | 7.16% | -7.89% | -14.57% | -3,531 bps | |
| Loan Growth (YoY) | 26.41% | 7.44% | -12.52% | -25.00% | -28.29% | -5,470 bps | |
| Share Growth (YoY) | 18.56% | 11.57% | 11.29% | -3.19% | -6.06% | -2,462 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.28% | 0.84% | 1.91% | 1.46% | 0.64% | -264 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.90% | 1.69% | 3.45% | 4.48% | 4.01% | +211 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.11% | 8.17% | 5.09% | 5.00% | 1.76% | -635 bps | |
| Net Worth / Assets | 8.11% | 8.17% | 5.09% | 5.00% | 1.76% | -635 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.91% | 72.02% | 60.65% | 62.20% | 57.19% | -1,773 bps | |
| Liquid Assets / Assets | 27.09% | 25.63% | 38.43% | 34.92% | 37.92% | +1,082 bps | |