PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greater Norfolk

Norfolk, NE · Charter 14258

Q4 2000

$1.5MAssets
$1.4MLoans
$1.4MShares
$67KNet 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 -3.36%, down 746 bps year over year; NIM at 5.32%.
  • Asset quality: problem loans at 8.79% of loans (+628 bps YoY).
  • Capital: net worth / assets of 4.60%.
  • Funding: loans stand at 101.06% of shares as of Q4 2000.

Financial Results

Return on Assets (quarter, annualized)

-3.36%-746 bps YoY

Net Interest Margin (quarter, annualized)

5.32%

Efficiency Ratio (quarter, annualized)

114.38%

Net Worth / Assets

4.60%

Discrete quarter, annualized.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets4.10%2.94%-0.21%-1.07%-3.36%-746 bps
Return on Equityn/an/an/an/a-73.11%n/an/a
Net Interest Marginn/an/a4.71%4.72%5.32%n/a
Efficiency Ration/an/a98.28%115.39%114.38%n/a
Growth
Asset Growth (YoY)45.04%56.39%40.93%29.52%-2.43%-4,748 bps
Loan Growth (YoY)33.06%57.01%48.55%25.70%4.07%-2,899 bps
Share Growth (YoY)49.75%60.90%44.46%32.82%1.40%-4,835 bps
Asset Quality
Delinquent Loans / Loans2.50%0.12%2.08%3.01%8.79%+628 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.78%0.26%0.53%0.69%2.80%+202 bps
Capital
Risk-Based Capitaln/an/an/an/a4.60%n/an/a
Net Worth / Assetsn/an/an/an/a4.60%n/an/a
Liquidity & Funding
Loans / Shares98.46%99.98%106.86%100.49%101.06%+260 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps