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Crawford Community

Galion, OH · Charter 96692

Q4 2003

$4.9MAssets
$4.1MLoans
$4.5MShares
$385KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.61%; NIM at 5.07%.
  • Asset quality: problem loans at 0.90% of loans.
  • Capital: net worth / assets of 7.82%.
  • Funding: loans stand at 90.34% of shares as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

0.61%

Net Interest Margin (YTD, annualized)

5.07%

Efficiency Ratio (YTD, annualized)

69.90%

Net Worth / Assets

7.82%

Year to date, annualized, through each quarter.

MetricQ4 2003YoY ΔTrend
Earnings
Return on Assets0.61%n/an/a
Return on Equity7.85%n/an/a
Net Interest Margin5.07%n/an/a
Efficiency Ratio69.90%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans0.90%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans1.28%n/an/a
Capital
Risk-Based Capital7.82%n/an/a
Net Worth / Assets7.82%n/an/a
Liquidity & Funding
Loans / Shares90.34%n/an/a
Liquid Assets / Assets10.29%n/an/a