Columbia, MO · Charter 67728
Q4 2001
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.34% | 0.46% | 0.32% | 0.55% | +5 bps | |
| Return on Equity | n/a | n/a | 6.02% | 4.26% | 7.14% | n/a | |
| Net Interest Margin | 4.62% | 4.87% | 4.69% | 4.66% | 4.93% | +31 bps | |
| Efficiency Ratio | 87.48% | 91.59% | 90.53% | 90.29% | 86.06% | -142 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.37% | 4.19% | 7.16% | 10.37% | 9.88% | -448 bps | |
| Loan Growth (YoY) | 15.31% | 23.55% | 23.69% | 16.84% | 9.94% | -536 bps | |
| Share Growth (YoY) | 12.96% | 3.89% | 6.64% | 10.06% | 11.92% | -104 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 1.14% | 0.50% | 1.15% | 0.38% | -29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.60% | 0.49% | 0.58% | 0.57% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 7.71% | 7.42% | 7.77% | n/a | |
| Net Worth / Assets | n/a | n/a | 7.71% | 7.42% | 7.77% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.72% | 101.10% | 93.83% | 93.81% | 95.01% | -171 bps | |
| Liquid Assets / Assets | 2.88% | 0.36% | 10.39% | 10.17% | 9.76% | +688 bps | |