PackageTrendsPeer
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Columbus Ohio Teachers

Columbus, OH · Charter 1083

Q2 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: 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.

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

Columbus Ohio Teachers

Columbus, OH · Charter 1083

Q2 2000

$50.7MAssets
$34.8MLoans
$42.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.06%, down 255 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 0.52% of loans (-101 bps YoY).
  • Funding: loans stand at 82.04% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

1.06%-255 bps YoY

Net Interest Margin (YTD, annualized)

4.88%

Efficiency Ratio (YTD, annualized)

75.88%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.26%3.53%3.55%3.61%3.53%3.54%0.71%1.06%-255 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a4.73%4.88%n/a
Efficiency Ration/an/an/an/an/an/a79.52%75.88%n/a
Growth
Asset Growth (YoY)9.54%10.13%8.30%8.26%9.95%11.39%14.33%10.47%+221 bps
Loan Growth (YoY)5.51%7.85%6.68%0.46%1.47%1.26%12.06%15.34%+1,488 bps
Share Growth (YoY)7.66%9.78%8.76%8.78%11.33%12.58%16.21%10.74%+197 bps
Asset Quality
Delinquent Loans / Loans1.91%1.65%1.75%1.53%1.07%0.91%0.60%0.52%-101 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.02%1.28%1.43%1.41%1.29%1.33%1.21%1.15%-27 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares89.59%84.96%87.14%78.77%81.66%76.41%84.03%82.04%+327 bps
Liquid Assets / Assets17.07%22.53%20.76%17.88%14.70%13.05%9.75%9.45%-843 bps