Salisbury, NC · Charter 63531
Q2 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 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.96% | -3.52% | -3.74% | 0.64% | 0.70% | +266 bps | |
| Return on Equity | n/a | -89.70% | -429% | 18.90% | n/a | n/a | |
| Net Interest Margin | 4.32% | 3.82% | 3.55% | 3.40% | 5.61% | +129 bps | |
| Efficiency Ratio | 112.98% | 85.58% | 131.30% | 78.85% | 91.91% | -2,107 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.75% | 25.19% | 14.43% | 9.51% | -6.64% | -2,638 bps | |
| Loan Growth (YoY) | 23.73% | 17.40% | -0.27% | -2.90% | -12.32% | -3,605 bps | |
| Share Growth (YoY) | 19.19% | 28.51% | 20.74% | 13.07% | 1.61% | -1,759 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 22.95% | 19.40% | 9.14% | 6.47% | 1.64% | -2,131 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.79% | 6.01% | 5.11% | 5.35% | 3.21% | -58 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 3.92% | 0.87% | 3.37% | -0.33% | n/a | |
| Net Worth / Assets | n/a | 3.92% | 0.87% | 3.37% | -0.33% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.55% | 67.75% | 65.33% | 70.43% | 68.65% | -1,090 bps | |
| Liquid Assets / Assets | 17.62% | 35.71% | 35.74% | 30.32% | 26.32% | +870 bps | |