Alexandria, VA · Charter 10314
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.05% | 3.76% | 3.21% | -0.33% | -0.54% | -459 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.58% | 3.40% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 109.15% | 112.36% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -13.29% | -10.77% | -5.70% | 0.50% | -6.17% | +712 bps | |
| Loan Growth (YoY) | -25.60% | -24.73% | -14.87% | -28.80% | -24.92% | +68 bps | |
| Share Growth (YoY) | -14.33% | -11.37% | -5.73% | 0.35% | -7.17% | +716 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.72% | 17.48% | 14.72% | 10.81% | 19.85% | +1,413 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.02% | 3.62% | 3.85% | 0.12% | 1.04% | -199 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.72% | 69.62% | 65.18% | 54.94% | 67.71% | -1,601 bps | |
| Liquid Assets / Assets | 11.28% | 17.37% | 31.32% | 32.02% | 17.13% | +585 bps | |