Greensboro, NC · Charter 63033
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 | -1.67% | -2.96% | -2.01% | -4.11% | -3.78% | -211 bps | |
| Return on Equity | -16.76% | -34.82% | -25.04% | -59.67% | -64.98% | -4,821 bps | |
| Net Interest Margin | 4.06% | 4.10% | 4.36% | 4.60% | 4.84% | +78 bps | |
| Efficiency Ratio | 111.19% | 129.60% | 135.96% | 146.00% | 138.51% | +2,732 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.90% | -7.73% | -0.19% | -9.48% | -9.58% | -1,547 bps | |
| Loan Growth (YoY) | -23.40% | -16.73% | -6.47% | 5.78% | 12.52% | +3,592 bps | |
| Share Growth (YoY) | 12.09% | -4.29% | 3.80% | -5.98% | -8.41% | -2,050 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.09% | 1.84% | 1.08% | 1.91% | 0.99% | -110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 1.44% | 1.09% | 1.27% | 1.28% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.99% | 8.51% | 8.03% | 6.89% | 5.82% | -417 bps | |
| Net Worth / Assets | 9.99% | 8.51% | 8.03% | 6.89% | 5.82% | -417 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.74% | 70.99% | 72.71% | 77.18% | 85.68% | +1,594 bps | |
| Liquid Assets / Assets | 19.45% | 15.86% | 16.77% | 12.23% | 2.12% | -1,733 bps | |