Goldsboro, NC · Charter 60417
Q1 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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.47% | -4.66% | -4.08% | -4.06% | -4.20% | -173 bps | |
| Return on Equity | -18.69% | -46.70% | -45.40% | -49.15% | -55.01% | -3,632 bps | |
| Net Interest Margin | 5.62% | 4.26% | 3.99% | 3.96% | 3.57% | -205 bps | |
| Efficiency Ratio | 137.80% | 157.33% | 164.40% | 171.51% | 209% | +7,146 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.04% | -14.70% | -18.48% | 1.97% | 1.94% | +2,298 bps | |
| Loan Growth (YoY) | 14.17% | -3.40% | -22.91% | -19.96% | -15.67% | -2,984 bps | |
| Share Growth (YoY) | -20.72% | -11.76% | -15.81% | 8.29% | 9.21% | +2,993 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.38% | 3.74% | 3.24% | 2.93% | 4.96% | -42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.89% | 1.91% | 1.95% | 2.00% | 2.14% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.19% | 9.99% | 8.98% | 8.26% | 7.63% | -557 bps | |
| Net Worth / Assets | 13.19% | 9.99% | 8.98% | 8.26% | 7.63% | -557 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.95% | 63.31% | 62.08% | 63.04% | 60.97% | -1,798 bps | |
| Liquid Assets / Assets | 30.33% | 41.39% | 42.61% | 41.60% | 42.30% | +1,197 bps | |