Delta, CO · Charter 7570
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 | 1.12% | 0.87% | 1.04% | 1.15% | 1.19% | +6 bps | |
| Return on Equity | 9.67% | 8.36% | 10.59% | 10.98% | 11.19% | +152 bps | |
| Net Interest Margin | 3.49% | 3.18% | 3.13% | 3.31% | 3.36% | -13 bps | |
| Efficiency Ratio | 72.85% | 75.82% | 69.27% | 68.01% | 67.48% | -537 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 25.97% | 36.76% | 48.38% | 37.71% | 28.69% | +272 bps | |
| Loan Growth (YoY) | 15.03% | 5.46% | 0.48% | 8.44% | -3.27% | -1,830 bps | |
| Share Growth (YoY) | 25.46% | 37.97% | 51.75% | 40.63% | 30.06% | +460 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.07% | 0.02% | 0.41% | 0.19% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.32% | 0.30% | 0.33% | 0.35% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.59% | 10.43% | 9.82% | 10.45% | 10.60% | -99 bps | |
| Net Worth / Assets | 11.59% | 10.43% | 9.82% | 10.45% | 10.60% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.99% | 67.24% | 61.52% | 64.06% | 60.24% | -2,075 bps | |
| Liquid Assets / Assets | 21.74% | 34.87% | 39.07% | 39.64% | 41.66% | +1,992 bps | |