Greensboro, NC · Charter 66591
Q2 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.17% | -5.10% | -5.28% | 0.33% | -1.04% | +713 bps | |
| Return on Equity | -76.27% | -41.19% | -44.92% | 2.56% | -8.13% | +6,814 bps | |
| Net Interest Margin | 2.53% | 4.09% | 2.69% | 3.35% | 2.40% | -12 bps | |
| Efficiency Ratio | 269% | 155.80% | 213% | 90.25% | 143.45% | -12,577 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.10% | -11.53% | -19.69% | -12.17% | -16.80% | -570 bps | |
| Loan Growth (YoY) | -16.23% | -31.14% | -24.11% | -39.91% | -49.34% | -3,312 bps | |
| Share Growth (YoY) | -6.96% | -6.85% | -17.66% | -10.30% | -18.39% | -1,143 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.57% | 17.69% | 32.86% | 31.51% | 13.55% | -502 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.44% | 7.29% | 7.75% | 8.65% | 10.92% | +548 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.72% | 12.39% | 11.76% | 12.73% | 12.84% | +213 bps | |
| Net Worth / Assets | 10.72% | 12.39% | 11.76% | 12.73% | 12.84% | +213 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.99% | 69.29% | 69.28% | 61.60% | 51.51% | -3,148 bps | |
| Liquid Assets / Assets | 28.48% | 31.35% | 31.46% | 38.58% | 47.57% | +1,909 bps | |