Chapman, NE · Charter 66271
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.18% | 1.07% | 0.59% | 0.35% | +1 bps | |
| Return on Equity | 1.48% | 0.79% | 4.50% | 2.43% | 1.46% | -2 bps | |
| Net Interest Margin | 3.50% | 3.12% | 3.64% | 3.42% | 3.73% | +23 bps | |
| Efficiency Ratio | 88.47% | 94.64% | 73.51% | 80.37% | 88.45% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.78% | 2.69% | 2.20% | 7.10% | -2.74% | -952 bps | |
| Loan Growth (YoY) | 5.36% | -1.73% | -20.79% | -19.35% | -24.24% | -2,960 bps | |
| Share Growth (YoY) | 8.46% | 3.05% | 2.08% | 9.19% | -3.96% | -1,242 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 0.86% | 0.73% | 1.64% | 0.79% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 1.22% | 1.36% | 1.29% | 1.37% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.88% | 23.32% | 23.65% | 24.10% | 23.87% | +99 bps | |
| Net Worth / Assets | 22.88% | 23.32% | 23.65% | 24.10% | 23.87% | +99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.97% | 60.08% | 53.45% | 58.01% | 54.41% | -1,456 bps | |
| Liquid Assets / Assets | 25.92% | 27.64% | 28.25% | 24.00% | 53.08% | +2,715 bps | |