Philpot, KY · Charter 62435
Q4 2001
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.61% | -1.08% | 0.43% | 0.48% | -5 bps | |
| Return on Equity | n/a | n/a | -8.44% | 3.29% | 3.52% | n/a | |
| Net Interest Margin | 5.18% | 5.33% | 5.39% | 5.75% | 5.81% | +63 bps | |
| Efficiency Ratio | 88.78% | 81.57% | 85.30% | 82.64% | 83.57% | -521 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.11% | 7.55% | 1.36% | -3.85% | -5.83% | -594 bps | |
| Loan Growth (YoY) | 7.23% | 13.53% | 9.32% | -10.26% | -16.06% | -2,329 bps | |
| Share Growth (YoY) | -1.37% | 7.11% | 2.12% | -3.91% | -6.00% | -463 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.87% | 7.11% | 5.79% | 3.88% | 3.60% | -327 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 1.04% | 1.27% | 0.90% | 1.09% | +45 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 12.75% | 12.96% | 13.63% | n/a | |
| Net Worth / Assets | n/a | n/a | 12.75% | 12.96% | 13.63% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.11% | 94.31% | 93.72% | 83.88% | 84.04% | -1,007 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 15.49% | 24.15% | 24.54% | +2,454 bps | |