No. Vassalboro, ME · Charter 13980
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
No. Vassalboro, ME · Charter 13980
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.61% | 3.94% | 4.15% | 1.49% | -2.52% | -713 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 | n/a | n/a | 4.77% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 88.20% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 24.40% | 31.82% | 23.16% | 6.06% | -6.71% | -3,111 bps | |
| Loan Growth (YoY) | 14.33% | 11.74% | -3.25% | -10.03% | -19.55% | -3,388 bps | |
| Share Growth (YoY) | 22.76% | 31.93% | 23.44% | 6.86% | -4.69% | -2,744 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.64% | 1.38% | 2.57% | 5.76% | 4.12% | +248 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.52% | 0.46% | 2.17% | 2.41% | +154 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.54% | 76.20% | 72.97% | 71.25% | 70.52% | -1,303 bps | |
| Liquid Assets / Assets | 9.87% | 9.47% | 25.57% | 25.96% | 16.21% | +633 bps | |