PackageTrendsPeer
Letter portraitLegal landscape

South Glens Fls Central Sch

So. Glens Falls, NY · Charter 12962

Q4 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: 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.

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

South Glens Fls Central Sch

So. Glens Falls, NY · Charter 12962

Q4 2000

$2.4MAssets
$772KLoans
$1.8MShares
$508KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.49%, down 133 bps year over year; NIM at 5.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 21.44%.
  • Funding: loans stand at 41.80% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

2.49%-133 bps YoY

Net Interest Margin (YTD, annualized)

5.07%

Efficiency Ratio (YTD, annualized)

51.14%

Net Worth / Assets

21.44%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.82%3.22%1.08%1.40%2.49%-133 bps
Return on Equityn/an/an/an/a11.62%n/an/a
Net Interest Marginn/an/a3.45%3.80%5.07%n/a
Efficiency Ration/an/a69.09%63.46%51.14%n/a
Growth
Asset Growth (YoY)14.32%6.42%9.57%-2.01%-6.52%-2,084 bps
Loan Growth (YoY)-9.54%-16.18%-30.36%-16.15%-12.18%-264 bps
Share Growth (YoY)15.14%5.44%8.81%-5.09%-11.35%-2,649 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.59%0.70%0.90%0.83%0.81%+23 bps
Capital
Risk-Based Capitaln/an/an/an/a21.44%n/an/a
Net Worth / Assetsn/an/an/an/a21.44%n/an/a
Liquidity & Funding
Loans / Shares42.19%35.92%32.62%34.43%41.80%-39 bps
Liquid Assets / Assets61.78%66.57%69.68%0.00%65.65%+387 bps