PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

N.C.M.C.

East Meadow, NY · Charter 20809

Q4 2000

$4.3MAssets
$1.6MLoans
$3.8MShares
$546KNet 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 0.79%, down 277 bps year over year; NIM at 5.59%.
  • Asset quality: problem loans at 0.72% of loans (+41 bps YoY).
  • Capital: net worth / assets of 12.63%.
  • Funding: loans stand at 42.75% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

0.79%-277 bps YoY

Net Interest Margin (YTD, annualized)

5.59%

Efficiency Ratio (YTD, annualized)

87.69%

Net Worth / Assets

12.63%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.56%2.72%0.15%0.77%0.79%-277 bps
Return on Equityn/an/an/an/a6.25%n/an/a
Net Interest Marginn/an/a3.61%4.82%5.59%n/a
Efficiency Ration/an/a96.44%86.08%87.69%n/a
Growth
Asset Growth (YoY)1.33%2.18%3.16%5.15%4.87%+354 bps
Loan Growth (YoY)-2.58%-11.72%0.22%11.80%22.29%+2,487 bps
Share Growth (YoY)-0.01%1.31%3.03%6.22%5.37%+538 bps
Asset Quality
Delinquent Loans / Loans0.31%0.93%2.28%0.85%0.72%+41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.80%5.33%4.22%4.39%4.01%-79 bps
Capital
Risk-Based Capitaln/an/an/an/a12.63%n/an/a
Net Worth / Assetsn/an/an/an/a12.63%n/an/a
Liquidity & Funding
Loans / Shares36.84%29.93%38.12%36.02%42.75%+591 bps
Liquid Assets / Assets32.47%29.07%33.98%7.28%55.41%+2,294 bps