Columbus, OH · Charter 15322
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.
Columbus, OH · Charter 15322
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 | 5.29% | 4.60% | 4.92% | 4.11% | 0.66% | -463 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 | 3.09% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 65.24% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 4.44% | 6.75% | 15.36% | 12.35% | 17.45% | +1,301 bps | |
| Loan Growth (YoY) | 3.01% | 0.09% | -7.34% | -10.10% | -5.65% | -866 bps | |
| Share Growth (YoY) | 2.17% | 5.20% | 15.57% | 12.52% | 18.86% | +1,669 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.61% | 1.54% | 1.13% | 0.98% | 1.67% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 1.36% | 1.31% | 0.53% | 1.04% | -34 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 | 64.13% | 55.72% | 51.90% | 49.42% | 50.90% | -1,322 bps | |
| Liquid Assets / Assets | 42.63% | 51.29% | 51.36% | 57.14% | 52.41% | +979 bps | |