Rockford, IL · Charter 60624
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.82% | 0.71% | 0.63% | 0.54% | -23 bps | |
| Return on Equity | 5.21% | 5.51% | 5.03% | 3.89% | 3.64% | -157 bps | |
| Net Interest Margin | 4.42% | 4.50% | 4.20% | 4.73% | 4.17% | -25 bps | |
| Efficiency Ratio | 82.68% | 81.78% | 83.03% | 86.64% | 87.10% | +441 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 66.57% | 43.10% | 41.87% | -3.19% | 4.38% | -6,219 bps | |
| Loan Growth (YoY) | 48.99% | 29.43% | 39.50% | -0.06% | 3.07% | -4,592 bps | |
| Share Growth (YoY) | 83.52% | 52.06% | 50.16% | -4.62% | 4.42% | -7,910 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 3.45% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.31% | 2.39% | 2.28% | 1.46% | 1.16% | -115 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.78% | 14.95% | 14.15% | 16.24% | 14.81% | +2 bps | |
| Net Worth / Assets | 14.78% | 14.95% | 14.15% | 16.24% | 14.81% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.62% | 81.50% | 78.87% | 83.75% | 82.54% | -108 bps | |
| Liquid Assets / Assets | 29.45% | 31.17% | 32.42% | 28.86% | 28.85% | -60 bps | |