West Des Moines, IA · Charter 64202
Q4 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 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.46% | 0.22% | -0.04% | 0.10% | 0.09% | +55 bps | |
| Return on Equity | -7.18% | 3.42% | -0.59% | 1.53% | 1.35% | +853 bps | |
| Net Interest Margin | 5.56% | 5.44% | 5.21% | 5.40% | 5.43% | -13 bps | |
| Efficiency Ratio | 92.46% | 93.52% | 93.46% | 92.13% | 92.43% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.27% | -3.73% | 5.96% | 1.01% | 1.65% | -162 bps | |
| Loan Growth (YoY) | -9.46% | -12.90% | -11.90% | -9.68% | -11.71% | -225 bps | |
| Share Growth (YoY) | 3.81% | -3.44% | 6.89% | 1.57% | 2.02% | -178 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 0.92% | 1.06% | 0.82% | 0.63% | -70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.73% | 1.16% | 1.25% | 1.18% | 0.97% | -75 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.43% | 6.42% | 6.09% | 6.34% | 6.41% | -2 bps | |
| Net Worth / Assets | 6.43% | 6.42% | 6.09% | 6.34% | 6.41% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.53% | 66.22% | 63.28% | 65.38% | 62.77% | -976 bps | |
| Liquid Assets / Assets | 17.51% | 22.28% | 24.82% | 24.26% | 23.61% | +610 bps | |