Muncie, IN · Charter 4129
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | -0.21% | -0.06% | -0.47% | -41.98% | -4,189 bps | |
| Return on Equity | -0.21% | -0.54% | -0.16% | -1.19% | -130.06% | -12,985 bps | |
| Net Interest Margin | 4.89% | 2.90% | 2.84% | 2.78% | -35.48% | -4,037 bps | |
| Efficiency Ratio | 81.83% | 107.00% | 102.11% | 116.58% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -22.50% | -2.35% | 9.60% | 9.81% | 4.60% | +2,710 bps | |
| Loan Growth (YoY) | -33.27% | -32.82% | -31.50% | -23.36% | -32.07% | +120 bps | |
| Share Growth (YoY) | -34.76% | -4.73% | 20.87% | 18.48% | 27.58% | +6,233 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.40% | 3.70% | 6.05% | 4.58% | 19.23% | +1,582 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 2.06% | 2.35% | 2.68% | 3.90% | +305 bps | |
| Capital | |||||||
| Risk-Based Capital | 44.34% | 38.57% | 37.74% | 39.80% | 32.28% | -1,206 bps | |
| Net Worth / Assets | 44.34% | 38.57% | 37.74% | 39.80% | 32.28% | -1,206 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.79% | 61.19% | 57.08% | 60.68% | 44.08% | -3,870 bps | |
| Liquid Assets / Assets | 52.54% | 34.53% | 39.30% | 42.08% | 56.47% | +393 bps | |