Aurora, IL · Charter 65425
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 | 0.02% | 0.12% | -0.03% | -0.30% | -0.82% | -83 bps | |
| Return on Equity | 0.13% | 0.88% | -0.20% | -2.25% | -6.27% | -639 bps | |
| Net Interest Margin | 5.21% | 5.21% | 4.64% | 4.57% | 4.47% | -75 bps | |
| Efficiency Ratio | 97.68% | 95.99% | 100.55% | 106.45% | 119.18% | +2,150 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.27% | -6.80% | 1.13% | -3.50% | -4.05% | +521 bps | |
| Loan Growth (YoY) | 5.80% | -2.65% | -0.05% | -9.55% | -26.06% | -3,186 bps | |
| Share Growth (YoY) | -10.41% | -7.61% | 1.08% | -3.72% | -4.03% | +638 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.15% | 3.83% | 0.77% | 2.31% | 2.37% | -278 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.29% | 0.46% | 0.48% | 0.57% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.98% | 13.21% | 12.82% | 13.14% | 13.02% | +4 bps | |
| Net Worth / Assets | 12.98% | 13.21% | 12.82% | 13.14% | 13.02% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.86% | 75.39% | 69.47% | 70.74% | 64.61% | -1,926 bps | |
| Liquid Assets / Assets | 24.24% | 31.55% | 21.34% | 35.56% | 41.08% | +1,684 bps | |