Evansville, WI · Charter 66762
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 | 1.75% | 0.73% | 0.06% | -0.08% | -0.59% | -234 bps | |
| Return on Equity | 9.49% | 3.84% | 0.30% | -0.40% | -2.99% | -1,247 bps | |
| Net Interest Margin | 7.93% | 7.73% | 6.74% | 6.73% | 6.68% | -126 bps | |
| Efficiency Ratio | 78.14% | 81.84% | 104.76% | 104.87% | 108.67% | +3,053 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.99% | 1.44% | -1.97% | -1.90% | -9.55% | -256 bps | |
| Loan Growth (YoY) | 7.65% | 0.51% | -22.93% | -26.30% | -32.52% | -4,017 bps | |
| Share Growth (YoY) | -10.59% | 0.52% | -3.82% | -3.15% | -10.69% | -10 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 2.20% | 5.05% | 2.37% | 2.50% | +162 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.80% | 0.65% | 0.65% | 1.01% | +61 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.49% | 18.95% | 19.04% | 19.02% | 19.66% | +117 bps | |
| Net Worth / Assets | 18.49% | 18.95% | 19.04% | 19.02% | 19.66% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 107.79% | 95.98% | 80.78% | 82.13% | 81.43% | -2,635 bps | |
| Liquid Assets / Assets | 9.81% | 19.91% | 31.15% | 31.69% | 33.34% | +2,353 bps | |