Evanston, IL · Charter 65359
Q3 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | -2.00% | -0.08% | -0.32% | -0.21% | -12 bps | |
| Return on Equity | -0.66% | -15.62% | -0.65% | -2.69% | -1.72% | -106 bps | |
| Net Interest Margin | 3.90% | 4.10% | 3.36% | 3.20% | 3.18% | -72 bps | |
| Efficiency Ratio | 102.15% | 181.39% | 102.18% | 108.95% | 105.83% | +368 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.38% | -0.48% | 5.55% | 3.83% | -1.31% | -1,469 bps | |
| Loan Growth (YoY) | -30.69% | -18.11% | -14.38% | -9.09% | -16.11% | +1,458 bps | |
| Share Growth (YoY) | 15.27% | 1.18% | 8.90% | 6.86% | 0.73% | -1,453 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 1.34% | 0.46% | 0.11% | 0.39% | -115 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.88% | 2.14% | 2.27% | 1.90% | 1.82% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.83% | 12.79% | 12.23% | 11.77% | 12.03% | -181 bps | |
| Net Worth / Assets | 13.83% | 12.79% | 12.23% | 11.77% | 12.03% | -181 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.04% | 38.41% | 34.75% | 30.78% | 30.85% | -619 bps | |
| Liquid Assets / Assets | 59.94% | 57.81% | 67.43% | 70.73% | 70.84% | +1,089 bps | |