Cavalier, ND · Charter 64261
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 | Q2 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.39% | -0.79% | 2.25% | -2.62% | -1.43% | -5 bps | |
| Return on Equity | -19.14% | -11.81% | 34.73% | -56.31% | -29.01% | -987 bps | |
| Net Interest Margin | 3.38% | 3.60% | 6.28% | 5.14% | 4.96% | +158 bps | |
| Efficiency Ratio | 107.03% | 105.98% | 65.16% | 76.85% | 78.81% | -2,822 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.83% | 25.48% | 35.96% | 33.16% | 18.72% | +490 bps | |
| Loan Growth (YoY) | 47.81% | 53.35% | 32.25% | 17.58% | 6.85% | -4,097 bps | |
| Share Growth (YoY) | 14.41% | 28.03% | 38.98% | 39.83% | 22.15% | +774 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.19% | 9.86% | 5.43% | 5.96% | 8.05% | -114 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 1.27% | 0.97% | 3.32% | 3.02% | +164 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.24% | 6.70% | 6.47% | 4.66% | 4.95% | -230 bps | |
| Net Worth / Assets | 7.24% | 6.70% | 6.47% | 4.66% | 4.95% | -230 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.49% | 96.07% | 80.91% | 83.89% | 86.15% | -1,234 bps | |
| Liquid Assets / Assets | 6.19% | 8.56% | 21.62% | 11.68% | 9.84% | +365 bps | |