PackageTrendsPeer
Letter portraitLegal landscape

Emerald

Eugene, OR · Charter 60464

Q4 2000

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: Q4 2000, the quarter ended December 31, 2000, 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

Emerald

Eugene, OR · Charter 60464

Q4 2000

$1.8MAssets
$1.4MLoans
$1.7MShares
$132KNet Worth

Executive Summary

  • Earnings: ROA of -0.98%, down 441 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 3.02% of loans (+186 bps YoY).
  • Capital: net worth / assets of 7.41%.
  • Funding: loans stand at 85.73% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-0.98%-441 bps YoY

Net Interest Margin (YTD, annualized)

4.69%

Efficiency Ratio (YTD, annualized)

107.29%

Net Worth / Assets

7.41%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.47%3.50%3.48%3.43%3.12%-0.09%0.03%-0.98%-441 bps
Return on Equityn/an/an/an/an/an/an/a-13.24%n/an/a
Net Interest Marginn/an/an/an/an/a4.27%4.40%4.69%n/a
Efficiency Ration/an/an/an/an/a100.86%97.79%107.29%n/a
Growth
Asset Growth (YoY)-6.77%4.47%6.37%7.00%-3.32%0.47%-6.85%-12.72%-1,972 bps
Loan Growth (YoY)2.65%-3.36%-1.60%-6.19%-11.31%-13.94%-10.00%-0.35%+584 bps
Share Growth (YoY)-7.64%9.11%6.55%6.28%-4.71%-2.95%-9.74%-11.76%-1,804 bps
Asset Quality
Delinquent Loans / Loans0.58%1.53%0.77%1.16%2.72%3.08%2.73%3.02%+186 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.58%0.60%0.52%0.60%0.65%0.64%0.56%0.63%+3 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a7.41%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a7.41%n/an/a
Liquidity & Funding
Loans / Shares85.14%83.81%79.90%75.92%79.24%74.31%79.67%85.73%+982 bps
Liquid Assets / Assets6.46%5.68%21.97%21.65%18.73%14.09%6.31%13.58%-807 bps