Zelienople, PA · Charter 11827
Q4 2000
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Zelienople, PA · Charter 11827
Q4 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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.32% | 3.21% | 0.93% | -20.19% | -24.92% | -3,024 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 | 5.74% | 7.33% | 8.47% | n/a | |
| Efficiency Ratio | n/a | n/a | 67.29% | 66.18% | 74.05% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -1.43% | 10.05% | 5.41% | -6.95% | -24.47% | -2,304 bps | |
| Loan Growth (YoY) | 5.82% | 9.67% | 8.14% | -1.39% | -7.91% | -1,373 bps | |
| Share Growth (YoY) | -5.71% | 8.06% | 2.91% | 0.76% | -6.97% | -127 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 4.90% | 16.96% | 16.95% | 24.43% | +2,378 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.41% | 1.11% | 6.13% | 15.99% | +1,599 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | -3.72% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | -3.72% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 106.03% | 92.59% | 105.69% | 106.02% | 104.97% | -107 bps | |
| Liquid Assets / Assets | 0.00% | 10.83% | 0.00% | 0.00% | 6.61% | +661 bps | |