South Beloit, IL · Charter 66093
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 | 1.76% | 0.00% | -6.96% | -4.43% | -2.79% | -455 bps | |
| Return on Equity | 17.12% | 0.00% | -95.60% | -59.15% | -31.02% | -4,814 bps | |
| Net Interest Margin | 8.29% | 8.21% | 7.64% | 7.13% | 7.41% | -88 bps | |
| Efficiency Ratio | 78.79% | 88.54% | 94.54% | 93.90% | 87.60% | +882 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.58% | -18.59% | -16.82% | -13.03% | -14.53% | +305 bps | |
| Loan Growth (YoY) | 31.19% | 19.99% | 13.79% | -20.04% | -17.77% | -4,895 bps | |
| Share Growth (YoY) | -20.62% | -21.55% | -16.61% | -11.83% | -14.38% | +625 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.81% | 20.04% | 14.86% | 26.08% | 28.02% | +1,921 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.01% | 5.35% | 9.47% | 0.00% | 9.61% | +560 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.27% | 9.93% | 7.28% | 7.49% | 9.00% | -128 bps | |
| Net Worth / Assets | 10.27% | 9.93% | 7.28% | 7.49% | 9.00% | -128 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.83% | 94.12% | 88.89% | 84.95% | 90.12% | -371 bps | |
| Liquid Assets / Assets | 17.11% | 17.54% | 24.24% | 19.51% | 13.97% | -315 bps | |