Erie, PA · Charter 9711
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 | 0.24% | 0.03% | 0.13% | 0.29% | 0.25% | 0 bps | |
| Return on Equity | 2.10% | 0.26% | 1.25% | 2.41% | 2.21% | +11 bps | |
| Net Interest Margin | 3.81% | 3.59% | 3.44% | 3.76% | 3.51% | -31 bps | |
| Efficiency Ratio | 89.30% | 93.30% | 91.20% | 89.69% | 91.08% | +178 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.29% | 9.34% | 4.80% | 3.86% | 6.62% | -267 bps | |
| Loan Growth (YoY) | -1.75% | -1.65% | 0.03% | 1.01% | -3.57% | -183 bps | |
| Share Growth (YoY) | 10.82% | 10.86% | 6.10% | 4.32% | 6.84% | -398 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.69% | 0.56% | 1.45% | 1.80% | +129 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.52% | 0.62% | 0.70% | 0.75% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.66% | 11.41% | 10.75% | 11.81% | 11.18% | -48 bps | |
| Net Worth / Assets | 11.66% | 11.41% | 10.75% | 11.81% | 11.18% | -48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.98% | 73.18% | 69.62% | 77.87% | 70.38% | -760 bps | |
| Liquid Assets / Assets | 27.52% | 31.26% | 35.56% | 26.10% | 33.03% | +551 bps | |