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The Grand Union

Wayne, NJ · Charter 10259

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

The Grand Union

Wayne, NJ · Charter 10259

Q4 2000

$12.0MAssets
$6.2MLoans
$10.1MShares
$1.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.87%, down 277 bps year over year; NIM at 4.58%.
  • Asset quality: problem loans at 1.05% of loans (+8 bps YoY).
  • Capital: net worth / assets of 15.68%.
  • Funding: loans stand at 61.29% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.87%-277 bps YoY

Net Interest Margin (YTD, annualized)

4.58%

Efficiency Ratio (YTD, annualized)

75.39%

Net Worth / Assets

15.68%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets5.14%4.87%4.86%3.64%3.56%0.81%0.86%0.87%-277 bps
Return on Equityn/an/an/an/an/an/an/a5.55%n/an/a
Net Interest Marginn/an/an/an/an/a3.99%4.26%4.58%n/a
Efficiency Ration/an/an/an/an/a74.13%74.00%75.39%n/a
Growth
Asset Growth (YoY)4.30%3.88%3.75%8.38%16.69%16.85%9.79%-4.81%-1,319 bps
Loan Growth (YoY)18.45%15.77%10.87%0.40%-7.67%-9.88%-13.02%-17.47%-1,788 bps
Share Growth (YoY)1.70%1.82%2.04%9.02%19.36%19.61%10.96%-7.30%-1,632 bps
Asset Quality
Delinquent Loans / Loans0.91%1.26%1.47%0.97%0.81%1.22%1.34%1.05%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.42%0.43%0.40%1.18%1.19%1.17%1.21%1.46%+28 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a15.68%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a15.68%n/an/a
Liquidity & Funding
Loans / Shares77.07%80.02%77.25%68.85%59.62%60.29%60.55%61.29%-756 bps
Liquid Assets / Assets4.66%7.05%9.30%13.74%10.33%36.81%41.18%47.07%+3,333 bps