Manitowoc, WI · Charter 66471
Q4 2002
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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | -0.05% | -1.36% | -1.65% | -5.74% | -574 bps | |
| Return on Equity | 0.01% | -0.28% | -7.41% | -7.67% | -30.56% | -3,057 bps | |
| Net Interest Margin | 4.94% | 5.77% | 4.33% | 5.09% | 2.53% | -241 bps | |
| Efficiency Ratio | 99.98% | 100.92% | 131.24% | 132.34% | 326% | +22,596 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.46% | -27.80% | -28.33% | -36.09% | -35.68% | -2,122 bps | |
| Loan Growth (YoY) | 9.62% | -39.90% | -59.87% | -56.25% | -58.49% | -6,811 bps | |
| Share Growth (YoY) | -16.71% | -32.18% | -32.21% | -41.28% | -38.11% | -2,140 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.04% | 8.24% | 9.16% | 8.88% | 10.79% | +475 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.58% | 18.86% | 18.36% | 21.52% | 18.77% | +319 bps | |
| Net Worth / Assets | 15.58% | 18.86% | 18.36% | 21.52% | 18.77% | +319 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.99% | 70.33% | 47.10% | 60.46% | 50.96% | -2,502 bps | |
| Liquid Assets / Assets | 38.82% | 43.14% | 64.25% | 55.79% | 62.03% | +2,321 bps | |