Columbus, OH · Charter 60962
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Columbus, OH · Charter 60962
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 | 0.61% | 0.44% | -4.17% | -6.72% | -5.96% | -657 bps | |
| Return on Equity | 9.46% | 7.04% | -81.49% | -215% | -214% | -22,344 bps | |
| Net Interest Margin | 3.68% | 3.59% | 3.06% | 3.55% | 3.88% | +20 bps | |
| Efficiency Ratio | 72.30% | 69.29% | 78.10% | 80.98% | 92.56% | +2,027 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.67% | 9.27% | 3.52% | -0.78% | -10.98% | -2,965 bps | |
| Loan Growth (YoY) | 13.61% | 8.45% | -1.36% | -10.96% | -22.53% | -3,614 bps | |
| Share Growth (YoY) | 22.78% | 8.87% | 4.42% | 2.87% | -7.14% | -2,992 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.78% | 3.44% | 4.94% | 4.72% | 2.21% | -257 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 1.46% | 3.02% | 5.61% | 4.98% | +344 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.47% | 6.28% | 5.11% | 3.12% | 2.79% | -368 bps | |
| Net Worth / Assets | 6.47% | 6.28% | 5.11% | 3.12% | 2.79% | -368 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.00% | 78.04% | 71.26% | 67.49% | 65.91% | -1,309 bps | |
| Liquid Assets / Assets | 7.38% | 6.32% | 16.09% | 24.54% | 24.35% | +1,697 bps | |