Hartford, IL · Charter 4727
Q3 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.42% | 0.13% | -0.06% | -13.92% | -1,447 bps | |
| Return on Equity | 2.27% | 1.93% | 0.62% | -0.30% | -138.05% | -14,032 bps | |
| Net Interest Margin | 2.50% | 2.17% | 1.87% | 1.51% | -11.27% | -1,378 bps | |
| Efficiency Ratio | 78.09% | 80.75% | 93.15% | 103.88% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 15.60% | 19.84% | 23.08% | 24.34% | 18.48% | +288 bps | |
| Loan Growth (YoY) | 32.14% | 32.04% | 10.20% | -5.50% | -26.72% | -5,886 bps | |
| Share Growth (YoY) | 19.49% | 24.88% | 29.82% | 31.39% | 40.70% | +2,122 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.33% | 2.69% | 3.17% | 3.72% | 5.51% | +218 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.41% | 1.31% | 1.70% | 1.89% | 4.40% | +299 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.16% | 21.62% | 20.85% | 19.34% | 10.08% | -1,408 bps | |
| Net Worth / Assets | 24.16% | 21.62% | 20.85% | 19.34% | 10.08% | -1,408 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.21% | 61.20% | 56.30% | 42.61% | 34.48% | -3,173 bps | |
| Liquid Assets / Assets | 48.47% | 43.33% | 44.44% | 58.91% | 68.55% | +2,008 bps | |