Las Vegas, NV · Charter 24588
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 | 4.07% | 2.40% | 3.08% | 1.54% | -0.67% | -474 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -26.34% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.66% | 4.24% | 3.15% | n/a | |
| Efficiency Ratio | n/a | n/a | 59.96% | 63.67% | 100.46% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | 20.83% | 7.08% | 30.22% | 6.02% | n/a | |
| Loan Growth (YoY) | n/a | 1358% | 503% | 291% | 55.48% | n/a | |
| Share Growth (YoY) | n/a | -1.76% | -11.46% | 13.63% | 4.92% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.78% | 9.15% | 25.94% | 25.31% | 20.12% | +1,734 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.83% | 1.01% | 0.78% | 1.28% | +35 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 2.55% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 2.55% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.96% | 50.12% | 53.41% | 58.84% | 65.14% | +2,119 bps | |
| Liquid Assets / Assets | 53.92% | 0.00% | 54.91% | 46.42% | 41.14% | -1,278 bps | |