Baltimore, MD · Charter 9902
Q1 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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | -4.74% | -3.62% | -3.30% | -45.17% | -4,600 bps | |
| Return on Equity | 3.08% | -17.48% | -13.84% | -11.77% | -213% | -21,566 bps | |
| Net Interest Margin | 7.33% | 5.87% | 6.13% | 6.75% | 6.58% | -75 bps | |
| Efficiency Ratio | 86.81% | 106.15% | 108.35% | 111.14% | 163.80% | +7,699 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.19% | -14.50% | -17.08% | -20.76% | -25.34% | -1,215 bps | |
| Loan Growth (YoY) | 4.02% | -12.57% | -15.60% | -14.89% | -27.01% | -3,104 bps | |
| Share Growth (YoY) | -19.42% | -20.25% | -15.15% | -28.30% | -19.60% | -18 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.55% | 11.23% | 11.42% | 13.47% | 9.71% | +217 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.10% | 4.22% | 4.07% | 4.27% | 16.01% | +1,291 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.15% | 27.12% | 26.14% | 28.06% | 21.25% | -591 bps | |
| Net Worth / Assets | 27.15% | 27.12% | 26.14% | 28.06% | 21.25% | -591 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.65% | 78.33% | 85.73% | 95.94% | 80.48% | -817 bps | |
| Liquid Assets / Assets | 13.13% | 15.72% | 16.55% | 11.45% | 23.51% | +1,039 bps | |