Opa Locka, FL · Charter 10583
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Opa Locka, FL · Charter 10583
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 | 2.41% | 1.63% | -0.73% | -3.96% | -1.83% | -424 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 | 6.49% | 7.86% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 95.11% | 95.01% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -13.27% | -11.07% | -11.79% | 18.48% | 1.54% | +1,482 bps | |
| Loan Growth (YoY) | -24.25% | -24.32% | -17.03% | 4.37% | 13.22% | +3,747 bps | |
| Share Growth (YoY) | -12.39% | -10.10% | -10.58% | 23.38% | 7.07% | +1,946 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.41% | 0.80% | 2.59% | 4.82% | 3.64% | +123 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.78% | 2.78% | 3.63% | 5.05% | 5.37% | +259 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 | 82.00% | 89.81% | 88.86% | 79.38% | 86.70% | +470 bps | |
| Liquid Assets / Assets | 22.61% | 16.83% | 20.26% | 22.00% | 13.46% | -914 bps | |