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Old Dominion Missionary Association

Chesapeake, VA · Charter 24285

Q4 2000

$22KAssets
$1KLoans
$19KShares
$3KNet 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 2.07%, down 102 bps year over year; NIM at 4.66%.
  • Asset quality: problem loans at 100.00% of loans (+5,613 bps YoY).
  • Capital: net worth / assets of 13.48%.
  • Funding: loans stand at 2.89% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

2.07%-102 bps YoY

Net Interest Margin (YTD, annualized)

4.66%

Efficiency Ratio (YTD, annualized)

59.44%

Net Worth / Assets

13.48%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.10%0.74%1.13%1.62%2.07%-102 bps
Return on Equityn/an/an/an/a15.39%n/an/a
Net Interest Marginn/an/a3.99%3.32%4.66%n/a
Efficiency Ration/an/a50.78%55.15%59.44%n/a
Growth
Asset Growth (YoY)35.69%43.37%52.89%49.47%-8.84%-4,454 bps
Loan Growth (YoY)-45.45%-58.90%-77.63%-71.94%-91.55%-4,610 bps
Share Growth (YoY)45.28%48.96%58.52%48.66%-13.39%-5,867 bps
Asset Quality
Delinquent Loans / Loans43.87%7.56%2.10%30.54%100.00%+5,613 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans32.25%13.94%42.50%30.25%100.00%+6,775 bps
Capital
Risk-Based Capitaln/an/an/an/a13.48%n/an/a
Net Worth / Assetsn/an/an/an/a13.48%n/an/a
Liquidity & Funding
Loans / Shares29.60%16.90%6.38%7.59%2.89%-2,671 bps
Liquid Assets / Assets46.23%42.56%0.00%0.00%98.74%+5,250 bps