Bethlehem, PA · Charter 2976
Q1 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.87% | -1.59% | -0.85% | -2.12% | 0.50% | +637 bps | |
| Return on Equity | -282% | -98.50% | -45.40% | -571% | 95.15% | +37,675 bps | |
| Net Interest Margin | 3.94% | 4.92% | 5.02% | 4.94% | 5.28% | +133 bps | |
| Efficiency Ratio | 96.42% | 79.78% | 80.93% | 80.14% | 92.65% | -377 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.16% | 14.18% | 9.64% | -9.47% | -12.97% | -2,712 bps | |
| Loan Growth (YoY) | 5.21% | -5.69% | -4.71% | -10.19% | -14.89% | -2,010 bps | |
| Share Growth (YoY) | 19.71% | 21.97% | 18.54% | -1.80% | -11.14% | -3,086 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.67% | 3.92% | 6.97% | 5.87% | 6.73% | -293 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.50% | 4.86% | 4.48% | 4.29% | 3.72% | -378 bps | |
| Capital | |||||||
| Risk-Based Capital | 2.08% | 1.62% | 1.87% | 0.37% | 0.53% | -156 bps | |
| Net Worth / Assets | 2.08% | 1.62% | 1.87% | 0.37% | 0.53% | -156 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.92% | 74.37% | 79.12% | 76.32% | 78.47% | -346 bps | |
| Liquid Assets / Assets | 21.06% | 25.27% | 20.68% | 22.46% | 19.45% | -161 bps | |