Chillicothe, OH · Charter 60992
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 | 1.45% | 1.04% | 0.79% | 0.80% | 0.80% | -65 bps | |
| Return on Equity | 9.08% | 6.60% | 4.92% | 5.03% | 4.78% | -430 bps | |
| Net Interest Margin | 3.33% | 2.89% | 2.80% | 2.77% | 2.94% | -39 bps | |
| Efficiency Ratio | 54.11% | 60.43% | 65.60% | 64.78% | 65.20% | +1,109 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.88% | 18.68% | 13.92% | 16.48% | 2.07% | -1,080 bps | |
| Loan Growth (YoY) | 7.78% | -2.19% | -5.47% | -8.37% | -9.57% | -1,735 bps | |
| Share Growth (YoY) | 10.68% | 18.41% | 13.66% | 17.54% | 1.14% | -954 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 1.16% | 0.53% | 0.85% | 0.68% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.91% | 0.82% | 0.90% | 1.08% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.92% | 15.77% | 16.01% | 15.82% | 16.75% | +82 bps | |
| Net Worth / Assets | 15.92% | 15.77% | 16.01% | 15.82% | 16.75% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.10% | 60.55% | 60.62% | 57.42% | 59.09% | -700 bps | |
| Liquid Assets / Assets | 38.27% | 45.42% | 33.68% | 44.56% | 46.49% | +822 bps | |