Millington, TN · Charter 9993
Q3 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | -0.20% | -0.54% | -0.52% | -11.61% | -1,158 bps | |
| Return on Equity | -0.18% | -1.23% | -3.38% | -3.09% | -127.94% | -12,777 bps | |
| Net Interest Margin | 3.59% | 3.64% | 3.73% | 3.85% | -1.54% | -514 bps | |
| Efficiency Ratio | 99.03% | 100.83% | 101.75% | 100.52% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.36% | 4.20% | 4.02% | -2.89% | -8.87% | -1,123 bps | |
| Loan Growth (YoY) | -17.27% | -5.18% | -11.76% | -15.70% | -24.16% | -689 bps | |
| Share Growth (YoY) | 4.48% | 6.27% | 6.32% | -2.52% | -0.85% | -534 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 1.75% | 0.67% | 0.74% | 1.47% | +84 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.67% | 0.41% | 0.70% | 7.17% | +670 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.38% | 16.34% | 15.86% | 16.66% | 9.07% | -731 bps | |
| Net Worth / Assets | 16.38% | 16.34% | 15.86% | 16.66% | 9.07% | -731 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.43% | 69.71% | 63.96% | 61.33% | 51.58% | -1,585 bps | |
| Liquid Assets / Assets | 42.39% | 40.71% | 44.74% | 47.55% | 54.84% | +1,245 bps | |