Salem, OR · Charter 64115
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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 0.99% | 1.02% | 1.26% | 1.37% | +42 bps | |
| Return on Equity | 8.25% | 8.56% | 8.81% | 10.73% | 11.71% | +346 bps | |
| Net Interest Margin | 3.42% | 3.42% | 3.60% | 3.71% | 3.71% | +29 bps | |
| Efficiency Ratio | 70.45% | 69.46% | 70.28% | 66.89% | 64.93% | -553 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.12% | 5.62% | -1.27% | 3.02% | 10.63% | +951 bps | |
| Loan Growth (YoY) | -3.78% | -3.55% | -0.12% | 4.61% | 6.63% | +1,041 bps | |
| Share Growth (YoY) | -0.93% | 4.81% | -2.84% | 1.54% | 10.06% | +1,099 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.48% | 0.45% | 0.40% | 0.45% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.24% | 1.26% | 1.23% | 1.21% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.53% | 11.62% | 11.61% | 11.71% | 11.72% | +19 bps | |
| Net Worth / Assets | 11.53% | 11.62% | 11.61% | 11.71% | 11.72% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.07% | 58.91% | 58.50% | 58.09% | 57.23% | -184 bps | |
| Liquid Assets / Assets | 11.93% | 11.68% | 10.26% | 10.53% | 11.26% | -67 bps | |