Garfield Hgts., OH · Charter 61940
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Garfield Hgts., OH · Charter 61940
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.92% | 3.48% | 0.55% | 0.59% | 0.77% | -315 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 7.17% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.30% | 4.37% | 4.04% | n/a | |
| Efficiency Ratio | n/a | n/a | 81.61% | 83.10% | 77.90% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 16.25% | 18.12% | 18.22% | 16.77% | 50.34% | +3,409 bps | |
| Loan Growth (YoY) | 1.36% | -3.56% | 3.43% | 2.92% | 37.31% | +3,595 bps | |
| Share Growth (YoY) | 14.60% | 17.41% | 17.41% | 16.71% | 48.76% | +3,416 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.83% | 1.95% | 1.35% | 2.34% | 1.90% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.16% | 1.13% | 1.21% | 1.38% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 10.79% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 10.79% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.92% | 65.67% | 70.80% | 67.07% | 68.22% | -569 bps | |
| Liquid Assets / Assets | 27.29% | 35.65% | 7.79% | 7.91% | 12.52% | -1,477 bps | |