Henderson, NV · Charter 12040
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 | 3.15% | 4.13% | 1.80% | 1.73% | 0.07% | -308 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.18% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 11.26% | 7.99% | 7.90% | n/a | |
| Efficiency Ratio | n/a | n/a | 72.88% | 78.39% | 99.07% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.14% | -7.15% | -8.30% | -17.24% | -8.89% | -675 bps | |
| Loan Growth (YoY) | -0.73% | -0.17% | -6.30% | -21.71% | -5.95% | -522 bps | |
| Share Growth (YoY) | 2.19% | -6.25% | -11.39% | -31.41% | -19.55% | -2,174 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.00% | 4.24% | 0.00% | 0.00% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.74% | 1.80% | 3.45% | 3.34% | 1.95% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 40.13% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 40.13% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 131.16% | 142.25% | 155.74% | 145.17% | 153.33% | +2,217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 14.53% | 16.60% | +1,660 bps | |