Merriam, KS · Charter 60038
Q4 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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 0.98% | 1.36% | 1.30% | -1.02% | -208 bps | |
| Return on Equity | 8.42% | 7.68% | 10.44% | 9.59% | -8.41% | -1,683 bps | |
| Net Interest Margin | 2.60% | 2.83% | 3.17% | 3.13% | 1.22% | -137 bps | |
| Efficiency Ratio | 55.93% | 50.60% | 46.60% | 48.13% | 125.03% | +6,910 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.18% | 3.30% | 5.56% | 3.92% | -1.08% | -427 bps | |
| Loan Growth (YoY) | 3.93% | -16.80% | -31.12% | -31.14% | -35.82% | -3,975 bps | |
| Share Growth (YoY) | 1.61% | 1.74% | 3.85% | 2.16% | -0.58% | -220 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.56% | 3.19% | 2.58% | 2.66% | 1.87% | -69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 1.09% | 1.23% | 1.14% | 1.86% | +140 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.58% | 12.81% | 13.08% | 13.54% | 12.17% | -41 bps | |
| Net Worth / Assets | 12.58% | 12.81% | 13.08% | 13.54% | 12.17% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.24% | 72.88% | 63.05% | 61.64% | 57.61% | -3,164 bps | |
| Liquid Assets / Assets | 17.54% | 34.29% | 37.55% | 36.66% | 38.07% | +2,053 bps | |