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Riser Foods Employee

Beford Hghts, OH · Charter 23204

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

Riser Foods Employee

Beford Hghts, OH · Charter 23204

Q4 2000

$387KAssets
$209KLoans
$333KShares
$51KNet 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 0.39%, down 285 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.45% of loans (+45 bps YoY).
  • Capital: net worth / assets of 13.28%.
  • Funding: loans stand at 62.94% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

0.39%-285 bps YoY

Net Interest Margin (YTD, annualized)

3.97%

Efficiency Ratio (YTD, annualized)

90.24%

Net Worth / Assets

13.28%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.24%2.77%0.30%0.29%0.39%-285 bps
Return on Equityn/an/an/an/a2.96%n/an/a
Net Interest Marginn/an/a3.90%3.63%3.97%n/a
Efficiency Ration/an/a92.68%92.11%90.24%n/a
Growth
Asset Growth (YoY)9.73%-2.25%-7.85%-8.91%-6.91%-1,664 bps
Loan Growth (YoY)7.63%36.84%29.77%-8.18%-15.35%-2,298 bps
Share Growth (YoY)8.92%-4.04%-9.87%-10.84%-8.53%-1,745 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.08%0.00%0.45%+45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.52%0.48%0.51%0.58%0.62%+9 bps
Capital
Risk-Based Capitaln/an/an/an/a13.28%n/an/a
Net Worth / Assetsn/an/an/an/a13.28%n/an/a
Liquidity & Funding
Loans / Shares68.01%71.26%72.53%62.03%62.94%-507 bps
Liquid Assets / Assets33.40%32.71%30.21%25.34%43.81%+1,042 bps