PackageTrendsPeer
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Vermont Grocers

Rutland, VT · Charter 61482

Q2 2001

$2.5MAssets
$2.0MLoans
$2.3MShares
$185KNet 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 0.66%, down 190 bps year over year; NIM at 5.81%.
  • Asset quality: problem loans at 0.60% of loans (-141 bps YoY).
  • Capital: net worth / assets of 7.56%.
  • Funding: loans stand at 86.93% of shares as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

0.66%-190 bps YoY

Net Interest Margin (quarter, annualized)

5.81%

Efficiency Ratio (quarter, annualized)

82.41%

Net Worth / Assets

7.56%

Discrete quarter, annualized.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets2.56%-0.18%-0.04%0.13%0.66%-190 bps
Return on Equityn/an/an/a1.71%8.72%n/a
Net Interest Marginn/a5.37%5.19%5.79%5.81%n/a
Efficiency Ration/a99.61%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 / Loans2.01%1.20%1.35%1.19%0.60%-141 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.05%0.65%0.63%0.90%0.69%-36 bps
Capital
Risk-Based Capitaln/an/an/a7.62%7.56%n/a
Net Worth / Assetsn/an/an/a7.62%7.56%n/a
Liquidity & Funding
Loans / Shares82.24%103.32%82.16%91.04%86.93%+470 bps
Liquid Assets / Assets4.43%4.28%18.27%14.36%18.33%+1,390 bps