PackageTrendsPeer
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Osnova Ukrainian

Parma, OH · Charter 62889

Q3 2002

$4.4MAssets
$2.0MLoans
$3.9MShares
$501KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.49%, down 21 bps year over year; NIM at 2.42%.
  • Asset quality: problem loans at 0.16% of loans (-21 bps YoY).
  • Capital: net worth / assets of 11.40%, down 101 bps from a year ago.
  • Funding: loans stand at 51.62% of shares as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

0.49%-21 bps YoY

Net Interest Margin (YTD, annualized)

2.42%-9 bps YoY

Efficiency Ratio (YTD, annualized)

77.29%+1,110 bps YoY

Net Worth / Assets

11.40%-101 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.70%0.01%0.10%0.32%0.49%-21 bps
Return on Equity5.61%0.09%0.88%2.88%4.30%-131 bps
Net Interest Margin2.51%2.21%2.08%2.22%2.42%-9 bps
Efficiency Ratio66.20%80.17%85.56%82.06%77.29%+1,110 bps
Growth
Asset Growth (YoY)31.22%22.10%23.87%24.46%13.26%-1,796 bps
Loan Growth (YoY)38.96%36.92%22.82%17.13%-10.83%-4,979 bps
Share Growth (YoY)32.72%21.99%24.25%25.62%16.09%-1,663 bps
Asset Quality
Delinquent Loans / Loans0.36%0.20%0.35%0.15%0.16%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.26%0.34%0.34%0.27%0.31%+5 bps
Capital
Risk-Based Capital12.41%11.86%11.45%11.19%11.40%-101 bps
Net Worth / Assets12.41%11.86%11.45%11.19%11.40%-101 bps
Liquidity & Funding
Loans / Shares67.20%64.09%60.06%53.01%51.62%-1,558 bps
Liquid Assets / Assets37.03%33.52%29.61%19.46%23.01%-1,403 bps