Warren, OH · Charter 60953
Q4 2000
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Warren, OH · Charter 60953
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 | 3.21% | 3.66% | 0.69% | -2.84% | -9.25% | -1,246 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -212% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.50% | 5.29% | 6.77% | n/a | |
| Efficiency Ratio | n/a | n/a | 81.69% | 77.64% | 78.06% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 23.47% | 25.84% | 27.87% | 6.30% | -21.82% | -4,529 bps | |
| Loan Growth (YoY) | -2.78% | 6.81% | 3.02% | 6.41% | -5.73% | -295 bps | |
| Share Growth (YoY) | 24.70% | 26.39% | 29.24% | 7.40% | -17.09% | -4,180 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.70% | 3.87% | 3.90% | 6.09% | 7.75% | +406 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.58% | 0.92% | 0.71% | 2.88% | 12.43% | +1,085 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 4.36% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 4.36% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.63% | 60.56% | 62.35% | 66.20% | 76.91% | +927 bps | |
| Liquid Assets / Assets | 26.20% | 32.31% | 19.01% | 22.41% | 29.31% | +311 bps | |