Middle, IA · Charter 64420
Q1 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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | -1.93% | -1.53% | -1.06% | 0.14% | +9 bps | |
| Return on Equity | 0.62% | -29.44% | -23.31% | -14.28% | 1.91% | +129 bps | |
| Net Interest Margin | 3.51% | 3.84% | 4.17% | 4.71% | 4.80% | +129 bps | |
| Efficiency Ratio | 91.39% | 91.36% | 83.09% | 78.27% | 63.81% | -2,757 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.88% | 7.82% | -1.40% | -5.44% | -13.74% | -2,762 bps | |
| Loan Growth (YoY) | -16.13% | -13.32% | -11.63% | -7.83% | -12.29% | +384 bps | |
| Share Growth (YoY) | 15.66% | 10.03% | 0.05% | -4.66% | -13.78% | -2,944 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.38% | 2.70% | 3.05% | 2.34% | 0.98% | -240 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 2.07% | 1.94% | 1.87% | 2.17% | +63 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.09% | 6.57% | 6.56% | 7.43% | 7.22% | +13 bps | |
| Net Worth / Assets | 7.09% | 6.57% | 6.56% | 7.43% | 7.22% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.05% | 67.32% | 67.02% | 73.68% | 65.16% | +111 bps | |
| Liquid Assets / Assets | 34.79% | 25.75% | 28.06% | 19.71% | 29.68% | -511 bps | |