St. Joseph, MO · Charter 63999
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.06% | 0.12% | 0.00% | 0.00% | -9 bps | |
| Return on Equity | 0.60% | 0.42% | 0.78% | 0.00% | 0.00% | -60 bps | |
| Net Interest Margin | 5.85% | 5.66% | 5.69% | 4.02% | 4.28% | -157 bps | |
| Efficiency Ratio | 92.45% | 90.29% | 91.00% | 98.97% | 99.48% | +703 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.50% | 24.66% | 5.75% | 13.88% | 8.66% | -1,184 bps | |
| Loan Growth (YoY) | 2.74% | -4.35% | -17.55% | -27.69% | -26.56% | -2,930 bps | |
| Share Growth (YoY) | 22.34% | 27.92% | 6.13% | 16.23% | 10.89% | -1,145 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.13% | 4.32% | 6.11% | 4.64% | 6.74% | +161 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.33% | 2.78% | 3.01% | 3.10% | 2.35% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.65% | 14.59% | 15.15% | 13.45% | 13.21% | -144 bps | |
| Net Worth / Assets | 14.65% | 14.59% | 15.15% | 13.45% | 13.21% | -144 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.56% | 67.08% | 65.85% | 52.51% | 46.73% | -2,383 bps | |
| Liquid Assets / Assets | 38.56% | 41.35% | 39.62% | 53.20% | 57.39% | +1,883 bps | |