Columbia, MO · Charter 67957
Q2 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.71% | 1.45% | 1.82% | 1.66% | 1.64% | -307 bps | |
| Return on Equity | n/a | n/a | n/a | 4.24% | 4.16% | n/a | |
| Net Interest Margin | n/a | 3.74% | 3.71% | 4.28% | 3.88% | n/a | |
| Efficiency Ratio | n/a | 61.32% | 50.91% | 61.12% | 57.80% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.94% | -4.16% | 2.32% | -3.49% | -14.36% | -942 bps | |
| Loan Growth (YoY) | -17.27% | -28.73% | 0.09% | -13.18% | 0.05% | +1,733 bps | |
| Share Growth (YoY) | -12.24% | -10.34% | -1.73% | -10.36% | -24.94% | -1,270 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.59% | 1.85% | 0.00% | 0.00% | 0.02% | -158 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.58% | 1.94% | 1.73% | 2.12% | 1.95% | +37 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 39.20% | 39.36% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 39.20% | 39.36% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.70% | 76.09% | 85.15% | 108.89% | 122.22% | +3,053 bps | |
| Liquid Assets / Assets | 28.07% | 27.91% | 20.18% | 29.39% | 11.40% | -1,668 bps | |