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U.F.C.W. District Union Local One

New Hartford, NY · Charter 20996

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

U.F.C.W. District Union Local One

New Hartford, NY · Charter 20996

Q2 2000

$8.2MAssets
$6.0MLoans
$9.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -45.57%, down 4,839 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 2.10% of loans (-232 bps YoY).
  • Funding: loans stand at 67.37% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

-45.57%-4,839 bps YoY

Net Interest Margin (YTD, annualized)

4.13%

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.66%5.73%3.14%2.82%2.40%2.71%0.74%-45.57%-4,839 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a6.96%4.13%n/a
Efficiency Ration/an/an/an/an/an/a84.30%n/an/an/a
Growth
Asset Growth (YoY)-0.85%-4.98%-16.18%-18.92%-11.59%-17.45%-6.87%-21.51%-260 bps
Loan Growth (YoY)-2.42%-1.34%-3.11%-17.37%-8.82%-4.12%-15.93%-9.33%+804 bps
Share Growth (YoY)-5.65%-7.97%-18.86%-21.77%-12.10%-16.56%-7.88%-4.12%+1,766 bps
Asset Quality
Delinquent Loans / Loans3.56%4.44%4.35%4.43%1.32%1.16%2.50%2.10%-232 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.45%2.65%2.73%2.90%1.79%1.10%1.27%1.96%-94 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares72.89%70.22%84.56%71.25%75.61%80.69%77.17%67.37%-387 bps
Liquid Assets / Assets11.48%19.56%10.15%29.33%23.78%11.54%4.63%2.43%-2,690 bps