Rockford, IL · Charter 60303
Q4 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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.71% | -1.81% | -1.87% | -2.11% | -2.97% | +74 bps | |
| Return on Equity | -24.06% | -11.34% | -11.65% | -12.93% | -18.76% | +529 bps | |
| Net Interest Margin | 4.61% | 3.52% | 3.34% | 3.27% | 3.21% | -140 bps | |
| Efficiency Ratio | 180.52% | 144.50% | 156.06% | 156.22% | 192.60% | +1,208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.06% | -14.59% | -16.14% | -14.83% | -17.99% | -792 bps | |
| Loan Growth (YoY) | -45.12% | -45.47% | -35.88% | -36.86% | -33.25% | +1,187 bps | |
| Share Growth (YoY) | -8.09% | -13.13% | -16.99% | -15.54% | -18.29% | -1,020 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 24.03% | 19.96% | 10.19% | 15.47% | 14.65% | -938 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.89% | 3.40% | 3.94% | 4.91% | 5.91% | +303 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.42% | 15.98% | 16.07% | 16.31% | 15.83% | +41 bps | |
| Net Worth / Assets | 15.42% | 15.98% | 16.07% | 16.31% | 15.83% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.58% | 40.96% | 38.46% | 34.26% | 34.78% | -780 bps | |
| Liquid Assets / Assets | 63.07% | 64.73% | 66.86% | 70.48% | 70.21% | +714 bps | |