Albert Lea, MN · Charter 63096
Q3 2002
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.82% | 1.51% | 1.12% | 1.24% | 1.97% | +15 bps | |
| Return on Equity | 13.60% | 11.20% | 8.39% | 8.80% | 13.74% | +14 bps | |
| Net Interest Margin | 3.98% | 4.35% | 4.14% | 3.88% | 4.02% | +4 bps | |
| Efficiency Ratio | 61.63% | 73.38% | 70.37% | 72.48% | 64.81% | +318 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.08% | 15.86% | 15.62% | 36.25% | 43.74% | +3,266 bps | |
| Loan Growth (YoY) | 31.09% | 17.09% | 19.85% | 25.24% | 22.66% | -843 bps | |
| Share Growth (YoY) | 8.67% | 13.47% | 13.65% | 34.78% | 42.40% | +3,373 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.02% | 2.16% | 3.04% | 3.26% | 2.95% | -207 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.81% | 1.69% | 2.18% | 2.05% | 1.71% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.37% | 13.49% | 13.29% | 14.03% | 14.30% | +93 bps | |
| Net Worth / Assets | 13.37% | 13.49% | 13.29% | 14.03% | 14.30% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.32% | 92.82% | 90.05% | 83.22% | 81.24% | -1,308 bps | |
| Liquid Assets / Assets | 17.83% | 18.90% | 21.72% | 28.03% | 29.66% | +1,183 bps | |