Winfield, KS · Charter 67788
Q2 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.80% | -1.89% | -1.24% | -3.14% | -3.78% | -658 bps | |
| Return on Equity | 26.99% | -23.57% | -17.38% | -45.85% | -65.52% | -9,251 bps | |
| Net Interest Margin | 8.48% | 7.90% | 7.55% | 5.84% | 6.00% | -248 bps | |
| Efficiency Ratio | 58.85% | 59.89% | 66.53% | 104.51% | 100.72% | +4,187 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.04% | -12.10% | -6.57% | -13.24% | -3.87% | +1,317 bps | |
| Loan Growth (YoY) | -14.50% | -16.51% | -25.24% | -32.30% | -35.95% | -2,145 bps | |
| Share Growth (YoY) | -24.27% | -19.62% | -18.95% | -12.78% | 2.60% | +2,686 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.25% | 5.89% | 4.21% | 3.59% | 3.67% | -458 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 5.32% | 2.48% | 3.37% | 2.87% | +128 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.37% | 8.01% | 7.15% | 6.86% | 5.77% | -460 bps | |
| Net Worth / Assets | 10.37% | 8.01% | 7.15% | 6.86% | 5.77% | -460 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 116.33% | 117.39% | 101.40% | 88.79% | 72.63% | -4,371 bps | |
| Liquid Assets / Assets | 0.00% | 9.19% | 20.52% | 20.20% | 27.35% | +2,735 bps | |