Vancleave, MS · Charter 23942
Q4 2000
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.49% | 4.84% | 1.54% | 0.81% | 0.57% | -391 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.29% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.84% | 3.61% | 2.37% | n/a | |
| Efficiency Ratio | n/a | n/a | 60.74% | 60.57% | 58.83% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 11.67% | 5.99% | -1.09% | -0.65% | -1.75% | -1,342 bps | |
| Loan Growth (YoY) | 9.93% | -3.53% | -16.68% | -40.18% | -29.55% | -3,948 bps | |
| Share Growth (YoY) | 8.81% | 2.78% | -5.23% | -4.01% | -4.26% | -1,307 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.66% | 3.57% | 4.32% | 5.23% | 4.09% | +243 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.86% | 1.47% | 2.10% | 1.19% | 1.32% | -54 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 25.04% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 25.04% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.09% | 63.32% | 69.82% | 50.19% | 55.99% | -2,010 bps | |
| Liquid Assets / Assets | 24.68% | 25.97% | 27.20% | 26.40% | 57.66% | +3,297 bps | |