Madison, OH · Charter 6526
Q1 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | -1.05% | -1.11% | -1.38% | -2.29% | -239 bps | |
| Return on Equity | 0.73% | -8.66% | -8.80% | -10.02% | -15.83% | -1,656 bps | |
| Net Interest Margin | 4.78% | 3.87% | 4.16% | 4.55% | 5.45% | +67 bps | |
| Efficiency Ratio | 108.28% | 126.38% | 126.24% | 129.77% | 141.50% | +3,322 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.60% | 11.20% | 14.68% | -6.26% | -19.16% | -3,277 bps | |
| Loan Growth (YoY) | -20.54% | -10.54% | -4.38% | 14.14% | -3.50% | +1,704 bps | |
| Share Growth (YoY) | 22.12% | 18.96% | 18.49% | -5.89% | -19.64% | -4,176 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.41% | 0.00% | 0.00% | 0.00% | -58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.20% | 0.77% | 1.79% | 1.81% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.39% | 12.07% | 12.66% | 13.80% | 14.48% | +109 bps | |
| Net Worth / Assets | 13.39% | 12.07% | 12.66% | 13.80% | 14.48% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.37% | 54.06% | 59.16% | 64.78% | 70.08% | +1,172 bps | |
| Liquid Assets / Assets | 39.74% | 42.95% | 46.93% | 43.25% | 39.10% | -64 bps | |