Des Moines, IA · Charter 67825
Q4 2002
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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.40% | -1.61% | -0.98% | -0.14% | 0.45% | +185 bps | |
| Return on Equity | -21.48% | -22.91% | -13.68% | -1.86% | 5.03% | +2,652 bps | |
| Net Interest Margin | 6.34% | 6.48% | 6.99% | 6.88% | 7.85% | +151 bps | |
| Efficiency Ratio | 86.09% | 95.98% | 87.01% | 84.09% | 82.52% | -357 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.56% | -10.88% | -13.84% | -16.47% | -24.04% | -2,347 bps | |
| Loan Growth (YoY) | -18.36% | -14.58% | -7.19% | -3.25% | 2.61% | +2,097 bps | |
| Share Growth (YoY) | 4.27% | -12.03% | -13.92% | -16.54% | -26.65% | -3,092 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.94% | 9.53% | 2.26% | 2.60% | 1.77% | -717 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.57% | 5.39% | 6.70% | 5.23% | 5.43% | +86 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.51% | 7.03% | 7.18% | 7.47% | 9.02% | +251 bps | |
| Net Worth / Assets | 6.51% | 7.03% | 7.18% | 7.47% | 9.02% | +251 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.01% | 84.58% | 87.55% | 88.08% | 104.93% | +2,992 bps | |
| Liquid Assets / Assets | 29.00% | 21.05% | 20.00% | 18.09% | 5.77% | -2,323 bps | |