Madison, WI · Charter 66483
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | -0.27% | 0.30% | -0.51% | -15.25% | -1,485 bps | |
| Return on Equity | -1.84% | -1.09% | 1.24% | -2.25% | -142.74% | -14,091 bps | |
| Net Interest Margin | 3.86% | 4.34% | 3.67% | 3.33% | -7.33% | -1,119 bps | |
| Efficiency Ratio | 110.47% | 106.25% | 91.92% | 115.35% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 20.09% | -1.30% | 11.73% | 3.03% | -0.19% | -2,029 bps | |
| Loan Growth (YoY) | -26.63% | -24.07% | -24.77% | -10.15% | -13.49% | +1,314 bps | |
| Share Growth (YoY) | 28.79% | -0.77% | 16.47% | 4.34% | 11.25% | -1,754 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 | 0.98% | 0.99% | 1.10% | 0.98% | 1.13% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.01% | 24.86% | 23.93% | 22.73% | 10.68% | -1,133 bps | |
| Net Worth / Assets | 22.01% | 24.86% | 23.93% | 22.73% | 10.68% | -1,133 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.63% | 62.20% | 53.01% | 56.86% | 41.70% | -1,193 bps | |
| Liquid Assets / Assets | 56.26% | 45.04% | 58.39% | 54.64% | 62.52% | +626 bps | |