PackageTrendsPeer
Letter portraitLegal landscape

North Carolina VA Employees

Winston Salem, NC · Charter 208

Q2 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: Q2 2000, the quarter ended June 30, 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

North Carolina VA Employees

Winston Salem, NC · Charter 208

Q2 2000

$5.2MAssets
$2.5MLoans
$4.5MShares
n/aNet 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 0.31%, down 261 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 1.72% of loans (+28 bps YoY).
  • Funding: loans stand at 55.39% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

0.31%-261 bps YoY

Net Interest Margin (YTD, annualized)

3.89%

Efficiency Ratio (YTD, annualized)

89.99%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets2.92%2.95%2.47%0.34%0.31%-261 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.90%3.89%n/a
Efficiency Ration/an/an/a91.64%89.99%n/a
Growth
Asset Growth (YoY)-15.01%-10.47%-6.90%-9.70%-7.42%+759 bps
Loan Growth (YoY)-30.51%-36.49%-31.36%-20.03%-10.04%+2,047 bps
Share Growth (YoY)-17.53%-12.64%-8.48%-11.87%-4.15%+1,338 bps
Asset Quality
Delinquent Loans / Loans1.44%1.79%1.68%2.15%1.72%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.89%0.70%0.70%0.89%+19 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares59.02%52.30%47.21%54.31%55.39%-363 bps
Liquid Assets / Assets44.70%47.62%55.23%33.93%22.87%-2,183 bps