Emporia, VA · Charter 24217
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 | 4.85% | 3.31% | 0.18% | -1.55% | -0.58% | -544 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -7.66% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.95% | 5.01% | 6.09% | n/a | |
| Efficiency Ratio | n/a | n/a | 73.56% | 42.83% | 45.99% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 49.04% | 30.82% | 13.81% | 11.65% | -4.24% | -5,328 bps | |
| Loan Growth (YoY) | -20.60% | -0.86% | 40.81% | 42.88% | 58.13% | +7,872 bps | |
| Share Growth (YoY) | 43.72% | 28.84% | 12.45% | 12.28% | -2.67% | -4,639 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.11% | 5.10% | 13.05% | 3.81% | 1.64% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.47% | 3.72% | 4.07% | 6.80% | 5.96% | -152 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 7.64% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 7.64% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.92% | 30.84% | 48.37% | 38.72% | 59.98% | +2,306 bps | |
| Liquid Assets / Assets | 55.84% | 64.37% | 0.00% | 0.00% | 45.66% | -1,018 bps | |