Lancaster, OH · Charter 4591
Q2 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | -0.05% | 0.15% | -1.46% | -46.79% | -4,672 bps | |
| Return on Equity | -0.17% | -0.13% | 0.40% | -3.98% | -295% | -29,508 bps | |
| Net Interest Margin | 2.21% | 2.14% | 2.11% | 0.93% | -43.04% | -4,525 bps | |
| Efficiency Ratio | 102.88% | 102.14% | 101.67% | 254% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.78% | 8.76% | -1.08% | 3.74% | -4.49% | -827 bps | |
| Loan Growth (YoY) | 10.27% | 1.47% | -12.06% | -14.61% | -20.09% | -3,036 bps | |
| Share Growth (YoY) | 3.73% | 13.99% | -2.20% | 6.30% | 28.02% | +2,430 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.70% | 0.00% | 0.06% | 0.00% | -50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.32% | 2.45% | 1.04% | 1.14% | 1.17% | -116 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.27% | 36.70% | 38.33% | 36.68% | 15.85% | -2,143 bps | |
| Net Worth / Assets | 37.27% | 36.70% | 38.33% | 36.68% | 15.85% | -2,143 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.99% | 19.63% | 19.72% | 16.91% | 13.10% | -789 bps | |
| Liquid Assets / Assets | 84.06% | 84.56% | 84.26% | 85.85% | 85.41% | +134 bps | |