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Common Ground Community

Dallas, TX · Charter 24322

Q4 2000

$1.5MAssets
$1.1MLoans
$1.6MShares
$-77KNet 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 -6.75%, down 914 bps year over year; NIM at 7.23%.
  • Asset quality: problem loans at 29.10% of loans (+2,506 bps YoY).
  • Capital: net worth / assets of -5.18%.
  • Funding: loans stand at 70.20% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

-6.75%-914 bps YoY

Net Interest Margin (YTD, annualized)

7.23%

Efficiency Ratio (YTD, annualized)

104.24%

Net Worth / Assets

-5.18%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.39%3.19%0.96%2.11%-6.75%-914 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a5.83%6.19%7.23%n/a
Efficiency Ration/an/a71.14%70.52%104.24%n/a
Growth
Asset Growth (YoY)193.31%50.47%76.92%24.63%-16.75%-21,006 bps
Loan Growth (YoY)224%137.08%63.62%35.12%-0.69%-22,489 bps
Share Growth (YoY)185.30%53.40%55.39%20.30%-8.90%-19,419 bps
Asset Quality
Delinquent Loans / Loans4.04%4.61%4.90%2.08%29.10%+2,506 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.86%3.56%4.22%4.08%13.16%+931 bps
Capital
Risk-Based Capitaln/an/an/an/a-5.18%n/an/a
Net Worth / Assetsn/an/an/an/a-5.18%n/an/a
Liquidity & Funding
Loans / Shares64.40%71.44%72.50%69.72%70.20%+580 bps
Liquid Assets / Assets33.91%26.61%15.49%18.34%21.46%-1,245 bps