Lexington, KY · Charter 62489
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | -2.04% | -4.50% | -6.36% | -4.71% | -514 bps | |
| Return on Equity | 3.30% | -15.65% | -38.93% | -62.70% | -41.07% | -4,437 bps | |
| Net Interest Margin | 5.23% | 6.20% | 6.31% | 7.09% | 7.76% | +254 bps | |
| Efficiency Ratio | 74.46% | 75.94% | 77.06% | 76.54% | 81.61% | +716 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 51.93% | -15.75% | -13.33% | -27.45% | -27.89% | -7,982 bps | |
| Loan Growth (YoY) | 9.12% | 3.81% | 2.51% | -8.30% | -6.76% | -1,588 bps | |
| Share Growth (YoY) | 63.02% | -15.91% | -11.92% | -26.45% | -26.95% | -8,997 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.48% | 2.10% | 2.64% | 1.78% | 3.07% | -141 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.73% | 0.95% | 2.97% | 4.44% | 5.40% | +267 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.84% | 13.02% | 11.55% | 10.14% | 11.48% | -136 bps | |
| Net Worth / Assets | 12.84% | 13.02% | 11.55% | 10.14% | 11.48% | -136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.80% | 98.86% | 90.25% | 87.38% | 98.03% | +2,123 bps | |
| Liquid Assets / Assets | 32.91% | 12.85% | 20.08% | 22.21% | 15.25% | -1,766 bps | |