Ashland, OH · Charter 61707
Q2 2002
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 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | 0.12% | -2.91% | -2.32% | 0.17% | +33 bps | |
| Return on Equity | n/a | 0.93% | -25.60% | -17.45% | 1.31% | n/a | |
| Net Interest Margin | 5.55% | 5.97% | 6.16% | 6.85% | 4.34% | -121 bps | |
| Efficiency Ratio | 98.44% | 89.73% | 73.65% | 71.59% | 96.21% | -223 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.94% | 1.26% | -3.78% | -20.19% | -15.59% | -2,253 bps | |
| Loan Growth (YoY) | -2.55% | -1.11% | -21.73% | -40.59% | -52.44% | -4,989 bps | |
| Share Growth (YoY) | 11.77% | 4.44% | 0.79% | -20.89% | -15.63% | -2,740 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.60% | 8.48% | 10.49% | 8.60% | 9.28% | +68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.41% | 2.97% | 3.76% | 4.50% | 5.60% | +219 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 12.94% | 11.36% | 13.28% | 12.83% | n/a | |
| Net Worth / Assets | n/a | 12.94% | 11.36% | 13.28% | 12.83% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.99% | 88.24% | 71.76% | 64.85% | 48.47% | -3,751 bps | |
| Liquid Assets / Assets | 6.63% | 22.94% | 36.04% | 42.92% | 42.78% | +3,615 bps | |