Trinidad, CO · Charter 2974
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 | 1.06% | 1.42% | 1.69% | 1.13% | 0.85% | -21 bps | |
| Return on Equity | 4.79% | 6.78% | 7.51% | 5.01% | 3.76% | -104 bps | |
| Net Interest Margin | 3.98% | 4.55% | 5.08% | 3.39% | 2.54% | -144 bps | |
| Efficiency Ratio | 69.08% | 68.83% | 66.73% | 66.73% | 66.73% | -236 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.15% | -3.47% | -9.97% | -0.59% | 1.17% | +1,432 bps | |
| Loan Growth (YoY) | -23.41% | -23.94% | -44.01% | -30.57% | -27.96% | -455 bps | |
| Share Growth (YoY) | -20.59% | -8.48% | -14.99% | -2.81% | -0.35% | +2,024 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 2.29% | 9.59% | 9.59% | 9.59% | +959 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.62% | 3.13% | 4.47% | 4.47% | 4.47% | +285 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.05% | 20.93% | 22.50% | 22.50% | 22.50% | +46 bps | |
| Net Worth / Assets | 22.05% | 20.93% | 22.50% | 22.50% | 22.50% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.53% | 86.68% | 64.00% | 64.00% | 64.00% | -2,453 bps | |
| Liquid Assets / Assets | 30.83% | 33.51% | 51.23% | 51.23% | 51.23% | +2,041 bps | |