Springfield, IL · Charter 65806
Q4 2002
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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.36% | -0.65% | 1.26% | -1.74% | -276 bps | |
| Return on Equity | 2.93% | 1.00% | -1.86% | 3.55% | -4.58% | -751 bps | |
| Net Interest Margin | 4.20% | 3.57% | 2.57% | 2.75% | 2.49% | -170 bps | |
| Efficiency Ratio | 72.46% | 88.04% | 125.23% | 66.69% | 127.09% | +5,462 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.21% | 16.45% | 3.82% | 11.71% | -12.12% | -2,233 bps | |
| Loan Growth (YoY) | -45.92% | -51.10% | -49.34% | -55.99% | -51.62% | -570 bps | |
| Share Growth (YoY) | 11.14% | 25.69% | 3.65% | 16.94% | -16.00% | -2,714 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 6.04% | 7.47% | 9.35% | 7.11% | +711 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.85% | 2.17% | 2.68% | 3.36% | 7.42% | +557 bps | |
| Capital | |||||||
| Risk-Based Capital | 35.04% | 35.95% | 35.25% | 35.54% | 37.94% | +290 bps | |
| Net Worth / Assets | 35.04% | 35.95% | 35.25% | 35.54% | 37.94% | +290 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.10% | 28.77% | 22.71% | 17.78% | 18.49% | -1,361 bps | |
| Liquid Assets / Assets | 77.95% | 80.50% | 83.86% | 87.27% | 87.64% | +969 bps | |