St Charles, IL · Charter 81086
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 | -0.34% | 0.12% | 0.08% | 0.05% | 0.20% | +53 bps | |
| Return on Equity | -2.02% | 0.73% | 0.46% | 0.25% | 0.97% | +298 bps | |
| Net Interest Margin | 1.80% | 2.16% | 2.16% | 2.34% | 2.61% | +81 bps | |
| Efficiency Ratio | 118.63% | 94.31% | 96.28% | 97.98% | 92.42% | -2,621 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.09% | -8.80% | -15.56% | -18.64% | -18.13% | -2,921 bps | |
| Loan Growth (YoY) | -24.58% | -22.96% | 3.22% | 1.28% | -1.92% | +2,266 bps | |
| Share Growth (YoY) | 14.30% | -10.09% | -18.67% | -22.11% | -21.93% | -3,623 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 2.18% | 1.57% | 1.19% | 7.98% | +710 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.73% | 4.76% | 4.51% | 4.56% | 4.83% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.60% | 16.84% | 17.55% | 18.71% | 20.47% | +387 bps | |
| Net Worth / Assets | 16.60% | 16.84% | 17.55% | 18.71% | 20.47% | +387 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.43% | 42.91% | 47.59% | 50.80% | 53.31% | +1,087 bps | |
| Liquid Assets / Assets | 64.16% | 63.66% | 60.34% | 58.34% | 57.40% | -675 bps | |