Columbus, OH · Charter 61075
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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 61075
Q3 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | -2.10% | -4.09% | -3.36% | -2.10% | -277 bps | |
| Return on Equity | 3.59% | -9.62% | -14.98% | -13.62% | -8.54% | -1,213 bps | |
| Net Interest Margin | 3.87% | 5.87% | 7.79% | 5.42% | 5.29% | +142 bps | |
| Efficiency Ratio | 83.50% | 102.92% | 82.72% | 99.62% | 97.53% | +1,403 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.25% | -28.23% | -48.02% | -40.10% | -37.39% | -3,314 bps | |
| Loan Growth (YoY) | 52.28% | 34.36% | 4.72% | -38.96% | -43.71% | -9,599 bps | |
| Share Growth (YoY) | -9.83% | -34.18% | -54.62% | -43.47% | -39.36% | -2,952 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.26% | 11.01% | 9.57% | 9.19% | 9.09% | +383 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.06% | 2.27% | 2.16% | 4.46% | 4.36% | +229 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.79% | 21.85% | 27.33% | 24.67% | 24.61% | +582 bps | |
| Net Worth / Assets | 18.79% | 21.85% | 27.33% | 24.67% | 24.61% | +582 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.13% | 97.90% | 116.99% | 91.11% | 90.15% | -698 bps | |
| Liquid Assets / Assets | 24.16% | 24.37% | 14.02% | 31.35% | 24.97% | +81 bps | |