Roanoke Rapids, NC · Charter 66290
Q1 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.32% | -4.75% | -4.95% | -5.87% | -6.83% | -451 bps | |
| Return on Equity | -10.56% | -23.41% | -25.16% | -27.87% | -36.41% | -2,586 bps | |
| Net Interest Margin | 5.13% | 4.23% | 4.09% | 4.35% | 2.82% | -230 bps | |
| Efficiency Ratio | 130.11% | 186.87% | 193.18% | 204% | 281% | +15,121 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -26.43% | -34.80% | -24.13% | -29.48% | -15.95% | +1,047 bps | |
| Loan Growth (YoY) | -34.49% | -41.68% | -51.97% | -44.29% | -42.94% | -846 bps | |
| Share Growth (YoY) | -30.22% | -38.00% | -24.35% | -30.62% | -12.48% | +1,774 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.49% | 6.47% | 3.42% | 5.09% | 2.66% | -482 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.99% | 5.34% | 7.03% | 7.88% | 9.40% | +541 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.00% | 20.31% | 19.69% | 21.08% | 18.76% | -324 bps | |
| Net Worth / Assets | 22.00% | 20.31% | 19.69% | 21.08% | 18.76% | -324 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.26% | 51.52% | 41.89% | 46.18% | 38.63% | -2,063 bps | |
| Liquid Assets / Assets | 45.36% | 48.77% | 57.35% | 54.42% | 60.08% | +1,472 bps | |