Bloomington, IL · Charter 60029
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.17% | -2.89% | 0.05% | 0.17% | -58 bps | |
| Return on Equity | 4.50% | 1.02% | -20.02% | 0.37% | 1.13% | -337 bps | |
| Net Interest Margin | 6.18% | 4.93% | 5.35% | 4.94% | 5.06% | -112 bps | |
| Efficiency Ratio | 84.90% | 96.67% | 97.22% | 98.98% | 96.73% | +1,183 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.74% | -14.47% | -7.91% | -1.16% | -5.69% | +605 bps | |
| Loan Growth (YoY) | -34.86% | -17.63% | -25.83% | -16.17% | -8.45% | +2,641 bps | |
| Share Growth (YoY) | -7.16% | -10.19% | -7.20% | 1.46% | -3.74% | +342 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 16.32% | 13.15% | 0.33% | 0.20% | 1.06% | -1,525 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.75% | 6.32% | 2.88% | 5.16% | 5.53% | -122 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.64% | 16.34% | 14.44% | 14.10% | 14.92% | -171 bps | |
| Net Worth / Assets | 16.64% | 16.34% | 14.44% | 14.10% | 14.92% | -171 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.21% | 82.11% | 75.24% | 72.98% | 72.48% | -373 bps | |
| Liquid Assets / Assets | 37.08% | 32.35% | 34.33% | 38.02% | 39.03% | +195 bps | |