PackageTrendsPeer
Letter portraitLegal landscape

Metro Transportation Employees

Los Angeles, CA · Charter 2770

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Metro Transportation Employees

Los Angeles, CA · Charter 2770

Q2 2001

$9.2MAssets
$4.5MLoans
$8.5MShares
$497KNet Worth

Executive Summary

  • Earnings: ROA of -2.38%, down 515 bps year over year; NIM at 5.09%.
  • Asset quality: problem loans at 1.11% of loans (-107 bps YoY).
  • Capital: net worth / assets of 5.42%.
  • Funding: loans stand at 52.78% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-2.38%-515 bps YoY

Net Interest Margin (YTD, annualized)

5.09%

Efficiency Ratio (YTD, annualized)

149.16%

Net Worth / Assets

5.42%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.44%0.87%1.95%2.76%2.22%-1.03%-2.15%-2.38%-515 bps
Return on Equityn/an/an/an/an/an/a-29.26%-43.95%n/a
Net Interest Marginn/an/an/an/a6.29%5.88%5.92%5.09%n/a
Efficiency Ration/an/an/an/a65.34%91.55%96.01%149.16%n/a
Growth
Asset Growth (YoY)12.14%8.30%-8.41%-9.31%-6.67%0.15%4.14%10.44%+1,975 bps
Loan Growth (YoY)130.73%101.99%30.32%6.93%-16.26%-20.93%-23.23%-33.19%-4,013 bps
Share Growth (YoY)11.99%10.07%9.85%2.87%0.54%-1.58%4.54%12.72%+985 bps
Asset Quality
Delinquent Loans / Loans2.75%1.74%2.18%2.18%2.35%2.72%3.09%1.11%-107 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.02%2.90%2.59%3.09%2.87%2.07%4.64%2.99%-10 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a7.34%5.42%n/a
Net Worth / Assetsn/an/an/an/an/an/a7.34%5.42%n/a
Liquidity & Funding
Loans / Shares104.98%92.88%95.80%89.06%87.44%74.62%70.35%52.78%-3,627 bps
Liquid Assets / Assets11.94%13.91%0.75%16.98%20.20%29.57%34.39%44.90%+2,792 bps