Rutland, VT · Charter 61482
Q2 2001
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rutland, VT · Charter 61482
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.56% | -0.18% | -0.04% | 0.13% | 0.66% | -190 bps | |
| Return on Equity | n/a | n/a | n/a | 1.71% | 8.72% | n/a | |
| Net Interest Margin | n/a | 5.37% | 5.19% | 5.79% | 5.81% | n/a | |
| Efficiency Ratio | n/a | 99.61% | 94.30% | 90.43% | 82.41% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 12.63% | 8.19% | 30.87% | 18.44% | 8.72% | -392 bps | |
| Loan Growth (YoY) | -5.41% | 13.67% | 24.96% | 21.66% | 14.50% | +1,990 bps | |
| Share Growth (YoY) | 14.12% | 4.67% | 35.60% | 20.49% | 8.31% | -581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.01% | 1.20% | 1.35% | 1.19% | 0.60% | -141 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 0.65% | 0.63% | 0.90% | 0.69% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 7.62% | 7.56% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 7.62% | 7.56% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.24% | 103.32% | 82.16% | 91.04% | 86.93% | +470 bps | |
| Liquid Assets / Assets | 4.43% | 4.28% | 18.27% | 14.36% | 18.33% | +1,390 bps | |