Portales, NM · Charter 61819
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Portales, NM · Charter 61819
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.98% | 1.71% | 1.93% | 1.22% | -21.19% | -2,317 bps | |
| Return on Equity | n/a | n/a | 23.50% | 15.58% | n/a | n/a | |
| Net Interest Margin | 4.43% | 4.13% | 4.15% | 3.48% | 4.28% | -15 bps | |
| Efficiency Ratio | 53.22% | 59.53% | 55.44% | 66.45% | 69.99% | +1,677 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 57.69% | 59.54% | 78.52% | 71.35% | 18.45% | -3,924 bps | |
| Loan Growth (YoY) | 48.06% | 65.85% | 70.46% | 63.23% | 41.22% | -684 bps | |
| Share Growth (YoY) | 57.29% | 51.72% | 80.26% | 72.16% | 49.00% | -829 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 1.56% | 0.92% | 1.65% | 28.45% | +2,777 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.69% | 0.50% | 0.53% | 21.85% | +2,113 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 8.19% | 7.86% | -15.53% | n/a | |
| Net Worth / Assets | n/a | n/a | 8.19% | 7.86% | -15.53% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.07% | 103.46% | 99.55% | 93.11% | 92.95% | -512 bps | |
| Liquid Assets / Assets | 0.00% | 2.18% | 2.05% | 8.77% | 9.61% | +961 bps | |