PackageTrendsPeer
Letter portraitLegal landscape

Warrendale Community

Detroit, MI · Charter 61905

Q2 2000

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: Q2 2000, the quarter ended June 30, 2000, 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

Warrendale Community

Detroit, MI · Charter 61905

Q2 2000

$12.3MAssets
$5.8MLoans
$11.2MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.60%, down 212 bps year over year; NIM at 5.29%.
  • Asset quality: problem loans at 0.26% of loans (-78 bps YoY).
  • Funding: loans stand at 51.39% of shares as of Q2 2000.

Return on Assets (YTD, annualized)

0.60%-212 bps YoY

Net Interest Margin (YTD, annualized)

5.29%

Efficiency Ratio (YTD, annualized)

84.67%

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets3.21%2.43%2.53%2.72%2.28%2.03%0.30%0.60%-212 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a5.13%5.29%n/a
Efficiency Ration/an/an/an/an/an/a88.89%84.67%n/a
Growth
Asset Growth (YoY)-2.56%5.62%7.99%8.70%16.07%10.82%8.74%15.58%+688 bps
Loan Growth (YoY)24.29%15.46%5.25%-0.50%-8.39%-11.52%-8.89%-2.31%-181 bps
Share Growth (YoY)-4.01%3.59%11.68%7.77%17.30%11.08%9.03%16.81%+904 bps
Asset Quality
Delinquent Loans / Loans1.33%1.20%1.01%1.04%1.27%0.92%0.88%0.26%-78 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.13%1.11%1.05%1.05%1.05%0.96%0.89%0.82%-23 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares73.97%66.38%65.79%61.44%57.77%52.88%54.98%51.39%-1,006 bps
Liquid Assets / Assets7.38%16.97%8.24%6.36%9.24%30.67%8.42%28.37%+2,202 bps