Ardmore, OK · Charter 6943
Q3 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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.19% | -0.04% | -0.75% | -0.43% | -75 bps | |
| Return on Equity | 1.53% | 0.89% | -0.22% | -3.91% | -2.20% | -374 bps | |
| Net Interest Margin | 4.02% | 4.25% | 3.93% | 4.08% | 4.25% | +23 bps | |
| Efficiency Ratio | 86.33% | 84.75% | 90.69% | 96.18% | 93.94% | +761 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.90% | 20.03% | 28.36% | 7.44% | 2.48% | -1,742 bps | |
| Loan Growth (YoY) | 55.75% | 45.10% | 31.07% | 4.82% | -0.66% | -5,641 bps | |
| Share Growth (YoY) | 24.40% | 23.61% | 34.21% | 10.02% | 3.51% | -2,089 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.05% | 1.24% | 1.80% | 2.10% | 1.76% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 0.50% | 0.81% | 0.97% | 0.94% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.51% | 20.93% | 19.13% | 19.29% | 19.65% | -87 bps | |
| Net Worth / Assets | 20.51% | 20.93% | 19.13% | 19.29% | 19.65% | -87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.07% | 97.64% | 88.60% | 89.35% | 91.24% | -383 bps | |
| Liquid Assets / Assets | 22.23% | 20.04% | 19.85% | 19.45% | 18.28% | -395 bps | |