Rome, NY · Charter 22983
Q1 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2000, the quarter ended March 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.
Rome, NY · Charter 22983
Q1 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 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.08% | 4.36% | 1.25% | 1.00% | 0.94% | -314 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.05% | 3.98% | 4.16% | n/a | |
| Efficiency Ratio | n/a | n/a | 68.70% | 71.12% | 73.48% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 10.37% | 11.16% | 17.55% | 11.66% | 9.70% | -67 bps | |
| Loan Growth (YoY) | 10.17% | 13.15% | 16.64% | 15.91% | 11.01% | +83 bps | |
| Share Growth (YoY) | 9.81% | 10.66% | 10.43% | 4.90% | 9.40% | -41 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 1.24% | 1.26% | 1.38% | 1.35% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.03% | 1.96% | 1.93% | 2.02% | 2.00% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.72% | 77.57% | 83.52% | 82.07% | 77.84% | +112 bps | |
| Liquid Assets / Assets | 7.33% | 10.13% | 5.52% | 5.48% | 6.17% | -116 bps | |