Monroe, NC · Charter 12638
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Monroe, NC · Charter 12638
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.48% | 0.85% | -2.12% | -0.43% | 0.51% | -297 bps | |
| Return on Equity | n/a | n/a | n/a | -2.02% | 2.35% | n/a | |
| Net Interest Margin | n/a | 3.05% | 3.77% | 5.03% | 3.62% | n/a | |
| Efficiency Ratio | n/a | 76.35% | 68.14% | 65.96% | 83.31% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 20.55% | 13.32% | -5.51% | -13.89% | -24.15% | -4,470 bps | |
| Loan Growth (YoY) | 13.17% | -5.46% | -9.30% | -20.23% | -25.20% | -3,837 bps | |
| Share Growth (YoY) | 20.97% | 12.81% | -6.85% | -17.57% | -29.16% | -5,013 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.68% | 5.18% | 4.33% | 6.11% | 11.50% | +682 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.54% | 2.69% | 3.47% | 3.78% | +349 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 21.46% | 21.59% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 21.46% | 21.59% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.73% | 47.76% | 41.46% | 50.63% | 48.29% | +256 bps | |
| Liquid Assets / Assets | 55.54% | 54.53% | 60.66% | 59.56% | 60.95% | +540 bps | |