Wilmington, DE · Charter 21323
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Wilmington, DE · Charter 21323
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 | -0.23% | 0.78% | -2.53% | -3.07% | -1.70% | -147 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -13.47% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.01% | 6.58% | 7.49% | n/a | |
| Efficiency Ratio | n/a | n/a | 122.48% | 87.59% | 92.64% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -8.86% | 1.96% | 4.41% | -17.19% | -13.92% | -506 bps | |
| Loan Growth (YoY) | -3.38% | -38.83% | -43.64% | -46.96% | -47.93% | -4,455 bps | |
| Share Growth (YoY) | -7.38% | 5.82% | 11.39% | -13.84% | -10.73% | -336 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.53% | 5.40% | 2.87% | 9.46% | 15.01% | +1,049 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.99% | 3.40% | 2.08% | 5.54% | 5.75% | +275 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.64% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.64% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.54% | 65.21% | 59.92% | 49.72% | 53.40% | -3,814 bps | |
| Liquid Assets / Assets | 15.87% | 0.75% | 39.30% | 47.81% | 54.75% | +3,889 bps | |