Lumberport, WV · Charter 68111
Q4 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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.20% | 0.96% | 1.80% | 2.44% | 0.69% | -152 bps | |
| Return on Equity | 29.58% | 13.16% | 22.67% | 28.04% | 8.98% | -2,060 bps | |
| Net Interest Margin | 5.12% | 3.99% | 4.88% | 5.11% | 3.63% | -149 bps | |
| Efficiency Ratio | 57.42% | 65.77% | 63.26% | 52.46% | 69.85% | +1,244 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.42% | 7.55% | 0.62% | 10.45% | 4.68% | +126 bps | |
| Loan Growth (YoY) | -4.81% | -2.87% | 0.53% | 6.61% | -6.99% | -217 bps | |
| Share Growth (YoY) | 3.83% | 5.71% | -0.46% | 6.99% | 5.81% | +198 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 1.02% | 1.36% | 0.73% | 0.76% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.09% | 2.72% | 2.67% | 1.72% | 2.71% | +62 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.45% | 7.30% | 7.94% | 8.69% | 7.68% | +22 bps | |
| Net Worth / Assets | 7.45% | 7.30% | 7.94% | 8.69% | 7.68% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.95% | 66.46% | 66.42% | 65.22% | 57.97% | -798 bps | |
| Liquid Assets / Assets | 39.65% | 38.48% | 39.69% | 40.60% | 46.55% | +689 bps | |