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Ukrainian Fraternal (Scranton)

Scranton, PA · Charter 22038

Q4 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: 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.

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

Ukrainian Fraternal (Scranton)

Scranton, PA · Charter 22038

Q4 2000

$322KAssets
$81KLoans
$282KShares
$40KNet Worth

Executive Summary

  • Earnings: ROA of 2.56%, down 20 bps year over year; NIM at 4.36%.
  • Asset quality: problem loans at 33.70% of loans (+1,462 bps YoY).
  • Capital: net worth / assets of 12.44%.
  • Funding: loans stand at 28.60% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

2.56%-20 bps YoY

Net Interest Margin (YTD, annualized)

4.36%

Efficiency Ratio (YTD, annualized)

28.75%

Net Worth / Assets

12.44%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.01%3.02%4.41%2.76%-0.06%-1.35%3.00%2.56%-20 bps
Return on Equityn/an/an/an/an/an/an/a20.55%n/an/a
Net Interest Marginn/an/an/an/an/a4.73%3.90%4.36%n/a
Efficiency Ration/an/an/an/an/a32.00%24.56%28.75%n/a
Growth
Asset Growth (YoY)-7.27%-6.46%-14.19%-5.42%-10.98%-14.79%-10.70%-19.15%-1,372 bps
Loan Growth (YoY)8.71%-6.49%-0.35%-20.26%-19.30%-42.37%-42.10%-38.38%-1,811 bps
Share Growth (YoY)-6.87%-5.40%-13.90%-6.16%-11.10%-14.73%-12.65%-23.19%-1,702 bps
Asset Quality
Delinquent Loans / Loans42.97%38.83%33.38%19.08%26.50%31.77%30.08%33.70%+1,462 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans16.92%18.63%19.91%2.12%14.23%15.56%12.04%19.71%+1,758 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a12.44%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a12.44%n/an/a
Liquidity & Funding
Loans / Shares39.58%43.18%47.77%35.66%35.93%29.18%31.66%28.60%-705 bps
Liquid Assets / Assets57.52%24.78%22.26%21.70%16.75%18.81%14.35%57.24%+3,554 bps