Appleton, WI · Charter 66574
Q4 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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 1.30% | 1.24% | 1.41% | 1.19% | +87 bps | |
| Return on Equity | 2.90% | 12.31% | 11.30% | 12.33% | 10.21% | +731 bps | |
| Net Interest Margin | 5.24% | 5.77% | 5.71% | 5.69% | 5.90% | +66 bps | |
| Efficiency Ratio | 84.65% | 81.96% | 79.97% | 78.14% | 81.46% | -320 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.61% | 8.07% | 0.53% | 2.08% | 5.53% | -208 bps | |
| Loan Growth (YoY) | 18.37% | 10.41% | 0.52% | 8.26% | 4.85% | -1,352 bps | |
| Share Growth (YoY) | 8.62% | 4.31% | -4.93% | -3.61% | -1.36% | -998 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.06% | 2.37% | 1.45% | 2.11% | 0.95% | -110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 1.37% | 1.34% | 1.39% | 1.28% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.04% | 10.52% | 10.94% | 11.40% | 11.64% | +60 bps | |
| Net Worth / Assets | 11.04% | 10.52% | 10.94% | 11.40% | 11.64% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 116.99% | 108.62% | 108.31% | 119.84% | 124.36% | +737 bps | |
| Liquid Assets / Assets | 1.95% | 11.67% | 12.55% | 4.75% | 3.59% | +165 bps | |