Ft. Shafter, HI · Charter 6300
Q4 2002
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.31% | -1.08% | -3.40% | -3.10% | -5.42% | -411 bps | |
| Return on Equity | -36.35% | -29.66% | -149.43% | -151.91% | n/a | n/a | |
| Net Interest Margin | 3.04% | 3.10% | 2.09% | 2.66% | 2.49% | -56 bps | |
| Efficiency Ratio | 134.92% | 127.14% | 2095% | 503% | 955% | +81,977 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.52% | -7.35% | -14.85% | -21.76% | -22.45% | -1,494 bps | |
| Loan Growth (YoY) | 3.52% | 2.29% | 1.15% | 2.76% | -2.41% | -593 bps | |
| Share Growth (YoY) | -4.89% | -6.58% | -13.77% | -21.35% | -20.49% | -1,560 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.73% | 2.74% | 1.77% | 1.49% | 0.68% | -205 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.49% | 1.45% | 1.64% | 1.58% | 1.96% | +47 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.60% | 3.65% | 2.27% | 2.04% | 0.00% | -360 bps | |
| Net Worth / Assets | 3.60% | 3.65% | 2.27% | 2.04% | 0.00% | -360 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.30% | 37.41% | 39.85% | 44.77% | 44.55% | +825 bps | |
| Liquid Assets / Assets | 28.48% | 30.28% | 30.35% | 26.50% | 28.17% | -31 bps | |