Manitowoc, WI · Charter 66628
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 | -2.35% | -1.30% | -0.84% | 0.37% | 1.19% | +354 bps | |
| Return on Equity | -10.33% | -5.86% | -3.48% | 1.58% | 5.19% | +1,553 bps | |
| Net Interest Margin | 5.72% | 5.74% | 6.34% | 5.81% | 5.68% | -4 bps | |
| Efficiency Ratio | 107.08% | 100.63% | 97.09% | 93.94% | 79.58% | -2,749 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.17% | -8.27% | -12.91% | 3.24% | 3.14% | +1,932 bps | |
| Loan Growth (YoY) | -21.92% | -9.41% | -0.41% | 4.09% | -1.45% | +2,046 bps | |
| Share Growth (YoY) | -15.66% | -4.04% | -13.02% | 6.51% | 3.63% | +1,929 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.69% | 1.73% | 0.63% | 0.53% | 1.25% | -45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.12% | 1.02% | 1.11% | 0.80% | -39 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.74% | 22.19% | 24.07% | 23.41% | 23.00% | +26 bps | |
| Net Worth / Assets | 22.74% | 22.19% | 24.07% | 23.41% | 23.00% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.01% | 101.51% | 108.01% | 101.49% | 93.20% | -481 bps | |
| Liquid Assets / Assets | 23.00% | 19.62% | 16.76% | 21.31% | 26.93% | +393 bps | |