Jackson, OH · Charter 7588
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.48% | -2.51% | -2.40% | -2.75% | -2.64% | -216 bps | |
| Return on Equity | -4.42% | -24.64% | -22.99% | -28.61% | -29.63% | -2,521 bps | |
| Net Interest Margin | 4.98% | 3.52% | 3.91% | 3.87% | 3.73% | -125 bps | |
| Efficiency Ratio | 109.40% | 170.77% | 160.31% | 170.46% | 169.94% | +6,055 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -38.93% | -39.17% | -22.64% | -7.68% | -6.59% | +3,234 bps | |
| Loan Growth (YoY) | -33.68% | -38.15% | -20.43% | -14.83% | -18.19% | +1,549 bps | |
| Share Growth (YoY) | -41.67% | -41.36% | -23.98% | -6.65% | -4.71% | +3,696 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 24.06% | 16.01% | 20.02% | 20.14% | 23.17% | -89 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.96% | 4.46% | 4.27% | 4.61% | 5.06% | +110 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.79% | 10.18% | 10.44% | 9.63% | 8.91% | -188 bps | |
| Net Worth / Assets | 10.79% | 10.18% | 10.44% | 9.63% | 8.91% | -188 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.67% | 58.72% | 66.86% | 62.47% | 56.38% | -929 bps | |
| Liquid Assets / Assets | 35.90% | 48.14% | 40.97% | 44.63% | 49.10% | +1,320 bps | |