Alliance, OH · Charter 62913
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.56% | -0.23% | 0.27% | -0.34% | 0.38% | +94 bps | |
| Return on Equity | -6.51% | -2.42% | 2.97% | -3.98% | 4.14% | +1,066 bps | |
| Net Interest Margin | 3.93% | 4.41% | 4.90% | 4.79% | 4.86% | +93 bps | |
| Efficiency Ratio | 108.16% | 102.33% | 96.23% | 94.61% | 94.87% | -1,329 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.14% | 4.24% | 5.77% | -0.44% | -0.82% | -2,396 bps | |
| Loan Growth (YoY) | -7.27% | 1.33% | 1.67% | 8.26% | 8.43% | +1,570 bps | |
| Share Growth (YoY) | 24.92% | 5.30% | 6.56% | -1.56% | 0.00% | -2,492 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.60% | 1.40% | 3.52% | 2.47% | 2.51% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 0.96% | 1.09% | 1.30% | 0.69% | -52 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.62% | 9.37% | 9.13% | 8.60% | 9.19% | +57 bps | |
| Net Worth / Assets | 8.62% | 9.37% | 9.13% | 8.60% | 9.19% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.05% | 68.02% | 63.30% | 63.80% | 65.12% | +506 bps | |
| Liquid Assets / Assets | 20.60% | 18.32% | 24.70% | 26.50% | 20.84% | +24 bps | |