W. Palm Beach, FL · Charter 67293
Q1 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.00% | 0.83% | 0.95% | 0.67% | -30 bps | |
| Return on Equity | 9.78% | 9.36% | 8.49% | 9.98% | 6.83% | -294 bps | |
| Net Interest Margin | 5.36% | 5.46% | 4.82% | 4.53% | 4.28% | -108 bps | |
| Efficiency Ratio | 73.72% | 74.33% | 75.25% | 74.54% | 77.15% | +342 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.12% | -8.23% | 0.53% | 23.95% | 12.12% | +2,123 bps | |
| Loan Growth (YoY) | 4.77% | -1.98% | -8.93% | -12.91% | -16.93% | -2,170 bps | |
| Share Growth (YoY) | -11.26% | -10.36% | -0.37% | 25.50% | 12.48% | +2,374 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.60% | 0.82% | 0.55% | 0.72% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 2.21% | 2.42% | 2.36% | 2.72% | +78 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.92% | 10.64% | 9.80% | 9.52% | 9.76% | -16 bps | |
| Net Worth / Assets | 9.92% | 10.64% | 9.80% | 9.52% | 9.76% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.29% | 83.07% | 71.17% | 63.97% | 60.78% | -2,152 bps | |
| Liquid Assets / Assets | 25.21% | 23.66% | 35.58% | 38.58% | 44.58% | +1,937 bps | |