Wilson, NC · Charter 62954
Q4 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | -0.03% | -3.90% | -2.44% | -4.48% | -449 bps | |
| Return on Equity | 0.16% | -0.49% | -93.70% | -54.79% | -198.25% | -19,841 bps | |
| Net Interest Margin | 5.00% | 4.87% | 5.01% | 5.28% | 5.73% | +73 bps | |
| Efficiency Ratio | 82.68% | 85.46% | 87.21% | 82.11% | 80.77% | -191 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.05% | 2.58% | -4.26% | -6.73% | -7.44% | +161 bps | |
| Loan Growth (YoY) | 0.56% | 4.15% | 4.72% | 1.59% | -5.64% | -620 bps | |
| Share Growth (YoY) | -9.88% | 2.85% | -2.79% | -5.44% | -8.05% | +183 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.92% | 6.28% | 4.84% | 3.85% | 3.68% | -224 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.21% | 1.05% | 1.23% | 2.96% | +168 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.24% | 5.78% | 4.16% | 4.45% | 2.26% | -398 bps | |
| Net Worth / Assets | 6.24% | 5.78% | 4.16% | 4.45% | 2.26% | -398 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.77% | 81.36% | 88.69% | 87.71% | 91.10% | +233 bps | |
| Liquid Assets / Assets | 5.24% | 14.67% | 4.84% | 3.91% | 4.39% | -85 bps | |