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St. Anthony's

Burlington, VT · Charter 61155

Q2 2000

$1.1MAssets
$903KLoans
$931KShares
n/aNet 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 0.25%, down 299 bps year over year; NIM at 5.77%.
  • Asset quality: problem loans at 5.16% of loans (+60 bps YoY).
  • Funding: loans stand at 97.04% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

0.25%-299 bps YoY

Net Interest Margin (quarter, annualized)

5.77%

Efficiency Ratio (quarter, annualized)

96.34%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.23%3.20%2.95%-0.77%0.25%-299 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a5.72%5.77%n/a
Efficiency Ration/an/an/a83.20%96.34%n/a
Growth
Asset Growth (YoY)-15.37%-18.02%-14.38%-9.14%-15.47%-10 bps
Loan Growth (YoY)-18.98%-15.85%-5.47%-1.98%-3.02%+1,597 bps
Share Growth (YoY)-19.84%-23.17%-19.19%-11.37%-9.44%+1,040 bps
Asset Quality
Delinquent Loans / Loans4.56%6.18%4.70%4.73%5.16%+60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.96%2.52%2.69%3.90%2.57%+61 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares90.61%95.14%105.01%106.32%97.04%+643 bps
Liquid Assets / Assets11.49%12.04%8.26%8.43%13.24%+175 bps