PackageTrendsPeer
Letter portraitLegal landscape

Buckeye Internatl Employees

Columbus, OH · Charter 61075

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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

Buckeye Internatl Employees

Columbus, OH · Charter 61075

Q3 2002

$578KAssets
$390KLoans
$432KShares
$142KNet 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 -2.10%, down 277 bps year over year; NIM at 5.29%.
  • Asset quality: problem loans at 9.09% of loans (+383 bps YoY).
  • Capital: net worth / assets of 24.61%, up 582 bps from a year ago.
  • Funding: loans stand at 90.15% of shares as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

-2.10%-277 bps YoY

Net Interest Margin (YTD, annualized)

5.29%+142 bps YoY

Efficiency Ratio (YTD, annualized)

97.53%+1,403 bps YoY

Net Worth / Assets

24.61%+582 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.67%-2.10%-4.09%-3.36%-2.10%-277 bps
Return on Equity3.59%-9.62%-14.98%-13.62%-8.54%-1,213 bps
Net Interest Margin3.87%5.87%7.79%5.42%5.29%+142 bps
Efficiency Ratio83.50%102.92%82.72%99.62%97.53%+1,403 bps
Growth
Asset Growth (YoY)-4.25%-28.23%-48.02%-40.10%-37.39%-3,314 bps
Loan Growth (YoY)52.28%34.36%4.72%-38.96%-43.71%-9,599 bps
Share Growth (YoY)-9.83%-34.18%-54.62%-43.47%-39.36%-2,952 bps
Asset Quality
Delinquent Loans / Loans5.26%11.01%9.57%9.19%9.09%+383 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.06%2.27%2.16%4.46%4.36%+229 bps
Capital
Risk-Based Capital18.79%21.85%27.33%24.67%24.61%+582 bps
Net Worth / Assets18.79%21.85%27.33%24.67%24.61%+582 bps
Liquidity & Funding
Loans / Shares97.13%97.90%116.99%91.11%90.15%-698 bps
Liquid Assets / Assets24.16%24.37%14.02%31.35%24.97%+81 bps