Salisbury, MD · Charter 14435
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 | 5.10% | 4.82% | 2.25% | 1.11% | -1.56% | -666 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -4.39% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.05% | 5.05% | 7.35% | n/a | |
| Efficiency Ratio | n/a | n/a | 55.38% | 60.14% | 54.33% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.12% | 5.42% | 4.03% | 0.76% | -31.91% | -4,503 bps | |
| Loan Growth (YoY) | -3.50% | 19.15% | 6.23% | -7.46% | -23.22% | -1,972 bps | |
| Share Growth (YoY) | 8.66% | 0.03% | -1.21% | -4.94% | -43.13% | -5,179 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.66% | 4.95% | 4.14% | 4.67% | 72.51% | +6,786 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.83% | 2.80% | 2.79% | 0.80% | 5.73% | +190 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 35.63% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 35.63% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.40% | 75.79% | 73.27% | 68.92% | 88.29% | +2,290 bps | |
| Liquid Assets / Assets | 34.37% | 38.54% | 39.15% | 34.79% | 35.71% | +134 bps | |