Lincoln Park, MI · Charter 7869
Q4 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.48% | -1.77% | -1.49% | -1.45% | -2.49% | -101 bps | |
| Return on Equity | -15.18% | -18.93% | -17.06% | -15.80% | -33.11% | -1,793 bps | |
| Net Interest Margin | 3.35% | 2.74% | 2.75% | 2.96% | 2.83% | -52 bps | |
| Efficiency Ratio | 121.19% | 149.96% | 141.26% | 135.90% | 169.76% | +4,858 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.08% | -9.27% | -8.47% | -3.28% | -2.94% | +1,314 bps | |
| Loan Growth (YoY) | -19.43% | -15.72% | -13.75% | -16.15% | -12.84% | +659 bps | |
| Share Growth (YoY) | -18.15% | -8.87% | -7.16% | -0.54% | 0.39% | +1,854 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.72% | 4.99% | 4.56% | 4.51% | 3.16% | -256 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.43% | 2.10% | 2.05% | 1.96% | 1.81% | -162 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.71% | 9.33% | 8.72% | 9.15% | 7.52% | -220 bps | |
| Net Worth / Assets | 9.71% | 9.33% | 8.72% | 9.15% | 7.52% | -220 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.16% | 38.00% | 35.98% | 36.69% | 34.87% | -529 bps | |
| Liquid Assets / Assets | 57.65% | 61.77% | 61.25% | 62.09% | 64.95% | +729 bps | |