Warren, MI · Charter 64954
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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.49% | 0.18% | 0.31% | 0.02% | -54 bps | |
| Return on Equity | 4.82% | 4.06% | 1.64% | 2.67% | 0.27% | -455 bps | |
| Net Interest Margin | 4.29% | 4.11% | 3.52% | 3.61% | 3.35% | -94 bps | |
| Efficiency Ratio | 85.62% | 87.89% | 91.35% | 89.75% | 97.33% | +1,171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.83% | -9.75% | -0.79% | -3.60% | 4.98% | +981 bps | |
| Loan Growth (YoY) | 24.54% | 22.84% | -1.72% | -13.97% | -26.51% | -5,105 bps | |
| Share Growth (YoY) | -7.35% | -12.46% | -1.64% | -4.25% | 11.50% | +1,885 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.15% | 3.01% | 1.00% | 0.84% | 0.64% | -51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.26% | 1.59% | 1.60% | 1.64% | +53 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.56% | 12.19% | 10.95% | 11.50% | 6.95% | -461 bps | |
| Net Worth / Assets | 11.56% | 12.19% | 10.95% | 11.50% | 6.95% | -461 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.92% | 56.14% | 44.78% | 46.15% | 40.16% | -2,077 bps | |
| Liquid Assets / Assets | 42.87% | 46.91% | 56.09% | 54.87% | 52.66% | +979 bps | |